I don't know what wrap you're talking about, but some shorter skirts, only without underwear, are indecent, and only if you have a penis (if you don't have a penis, or if you have one, but wear panties underneath, then they are not indecent), because the tip of the penis is visible past the brim, when it's limp, which in my opinion is pretty clever for an indie game, I wouldn't have expected such subtleties to count, but I'm glad they do.
If you're talking about the veil bottoms, they count as lower undies though, and they also can't be worn with any article in the "lower" bracket, such as pants or skirt, and they are indecent regardless whether you have a penis or not, I just checked.
