I have GIMP 2. Wow. What options did you select from? I can probably do the same kind of thing. :)

I don't "have a thing" for loincloths. That is how those species are commonly depicted in fiction. Especially lizardfolk. lol

How about this: for human and human-like males (humans, elves, dwarves, halflings), we have sleeveless shirts and shorts. For the girls, something which covers their torsos but leaves their legs free would be important, since they have to exercise in these clothes as well. Or maybe the girls could have gymnastic-style leotards? Having something like boxer shorts for bed is fine for the males, and a chemise (had to look it up) is fine for the females when asleep.

Also, did you plan on giving the boys shirts only for going into town/specific purposes, and have them shirtless at other times? Either way is fine with me.