Real simple, real old bug: When a humanoid NPC (that is to say, an NPC with a paperdoll) dies, the corpse hits the ground looking like nothing is equipped. Clothing and such things are still on the body and may be looted, but they do not appear to be worn by the corpse. Until a few minutes later when suddenly they appear. However, the gambler NPCs on Fire Ilse near the casino do not suffer from this bug. When killed, their corpses hit the ground fully clothed. I suspect that this is because "gambler" is a new NPC category and does not contain whatever minor error the others do.