It's pretty unlikely to have a morality system, especially at this point in development. In general, the sort of thing is really hard to do, since there's so much extra work required to account for all the possibilities.
Bald, hmm maybe. Some scenes take hair into account, so might cause extra work
Nipples for flat chest - it's hidden behind the fur for furry characters
Watersports - not really something I'm comfortable writing, sorry!
If you are not interested in doing something its all good - anything I suggest is merely stuff that I think might be a good match for the game - I am not you so I don't know what you dislike and I'm not a developer so there is bound to be a couple of overly complex suggestions occasionally.
Re: Nipples for flat chest - it's hidden behind the fur for furry characters.
Is it meant to be hidden on human characters, regardless of gender ? ... If not then I may have found a bug.
On the subject of nipples perhaps an option to be added to always show / always hide / hide if furry / hide if non furry / [other choices here] could be added.
Pretty much just a visual toggle similar to how pubic hair is handled - a few different visual options to chose from.
And another one while I'm thinking about it:
Have you considered name 'cheats' that automatically generate a visually unique character ?
Something like naming the player character 'Silverscale' generates a randomized character with a silver, scale-like pattern on the characters skin as an example.
