I've just refreshed my fading memory by googling pictures of Arwen (guessing the movies are close to the books). She wears a lot of different clothes, depending on the occasion, but none of them has a turtleneck...
I really don't wanna see chain mail bikinis in lotro. They're not lore and if you wanna go with a realistic looking setting they're plain bs (I admit, I always start laughing when I see any female warriors wearing that kind of stuff, no matter if it's in a game or on a picture or on a market. I think a real warrior wouldn't get very old wearing that kind of stuff - hey, maybe that's the reason we only see young girls in it?).
But there's a lot of moving room between a chainmail bikini and a turtleneck dress.
Personally for my characters I like them to wear proper armour when out in the field. Protective, solid, flexible enough to move in it (especially for my huntress). But that doesn't mean that my girls don't like to dress up a little when they're in town for relaxing. Ya know - getting rid of all that smelly and dirty armour, taking a long, hot bath, getting the mud out of their hair, and afterwards dressing into something comfortable that makes them remember for a change that they're female. That doesn't mean "skimpy" clothing, but a proper neckline on a dress like in the following picture would be totally alright for me.
And I'm not an adolescent young boy, I'm a middle-aged grown woman that could very well have grown-up kids herself.