For those who haven't heard of it, Skyrim is mostly a game about killing people and stealing their clothes, not necessarily in that order. But wouldn't it be nice if you could take people's clothes without leaving their loincloth-clad bodies lying around? That's so impolite.
Here's a plugin I made that adds a set of tasteful miner's clothes to otherwise unclothed people, and also changes some armor and clothing appearances to be more covering. (Barkeeps, Forsworn, Bandits, etc...)
Steam Workshop Modesty Go!
Skyrim Nexus Modesty Go!
Alternatively, here's some mods by other people (I haven't tested these), available on the Skyrim Nexus. The first one actually contains new armor meshes! The second one reminded me of a number of additional armors I'd forgotten to replace, so I'm grateful.
A mod by Iceburg
A mod by System Shock