A word of warning for folks that wear avatars with toggleable clothing. Sometimes, the naked version is the default, and the clothing is set as an animation. If someone has avatar animations hidden, it doesn't matter what the toggles are on your end. They're seeing you naked in a public world. Don't be a little menace. Keep the nudes to private worlds.
1st mistake: you went in to a public VRC lobby expecting a normal levels of decency 2nd mistake: you é̶̘̋n̴̝͉̉̓ţ̵͉̋̑ē̵̫̜r̵̛̯̒͜è̷̠̳d̵̪͋ T̷̛̤̖̩̹̩͆͆̄̾̈͝ḫ̴͐̒̾͝e̵̲̱͕̲͍̾͛̏̄̀͘͝ B̵̡̨̼̟̙̻̩͇̞͍̖̪͓͚͖̺̫͍̻̱̬͙̖̯͇̻̙͈̞̜̝͉̩̺͓̥̙̞̮͛̓̈́͛̈́̀͜l̶̢̧̡̗̣̝̲̪͔̗̝͈̜͖͚̳͉̰̙̜̑̾̄́̄̈̆̈́̕ͅą̴̢̧̠̦̮̯̯͚̘̲̤̱̰͕̝̟̫̦̯͓̞̲̮̙̪̪̱͍̹̠̟̻̤̤͎̞̋̂͐̎́̔̈́̍͋̏̂́̌͛͌̈̏̓̊͗̄̌̓͆̍͂̆̂́̋̍̓͐͋̇̍̀͌͌͌̄̑͘̚͜͜͝ͅc̷̯̟͎͇͎̹͎̘̗̲̰̋͛͋͗̒̆̅͐͐͐́̔̏̄̌̑̔̀̎̓̈͐̆̋͌̓̚͘͠͠͝k̶̢̨̧̡͈̣̼̫̘̠̻͍͕̠̮͉̬̫̹̜͉̮̣͉̰̙͙͚̞̞͈̲̂͐͋͑͑̒̐̀͂͗̈́̈́̿̓̉̆̓̔ͅͅ ̷̡̢̛̙͓͍͙̤͔̜͕̭̲̝̗̠͖̹͉͓͓̣̖͖̝̱͔̤̳̝͎̜͍̻͌͛͋̄̒̃̽̊̃͊̉͑͊͑͆͜͜Ċ̶̢̛̛̛̯̻͓̼̻̘͎̘̙̝̣͙͙̤͓̮̦̞̱͍̬͇̭̘̹͓̖̣̰̺͖̖͚̌͌̄̉̀̆̊̈́̑͑̿̓͋͌̿̓͆̒̊͐̓͊̆̈̀̈́̆̌͘͘̕͜͜͜͝a̵̧̨̢̮̪͖̭͕̳͈̳͚̠̰̗̥̹͙̪̖͈̲̲͍̺̱̳̤̥̹̳̣̳̾̃̿̀̑̆̀̓̽͆̐̃̔̊̂͗̈́̊͊̐̇̒͊̅̿̅̃̎̓́̏̔̎̔͌̽͗͘͘͜͝͝ͅẗ̴͎͇͍́̑͐͗̿͒̀̏́͊͗̓̊̀̾̈͘͝͝