[quote=Lalliman]
I imagine any animal with... dangly bits will want to cover them up, for safety if not for modesty reasons.
[/quote]

Most animals don't have dangly bits. Not visibly, anyways. But it would help to cover up for practical reasons. First of all they never know when an attack might happen, and second they might develop some modesty anyways.

I added equipment to my character sheet.