Unless (until) you make your own, online games are designed to appeal to the most people possible since they are trying to make money - not uphold any particular cultures values.

If enough people complain they will perhaps consent to create a server (or instance) where the rules are more specific. If you have the option of creating members-only gatherings, your modest requirements are the choice of the leader of the group.

Disney does a pretty good job of running a virtual world that is modest but it is also geared toward children. Even in those virtual worlds there are those who try to break the rules so it may take a while before some violators are caught/reported and suspended.

You seem to be more familiar with the plethora of Virtuals out there so I won't try to find one that would be more likely than the others to cater to your request. I just think it's a lost cause.

The last option I can suggest is to find a VWorld that allows mod-ing. Then create mods that you install locally to your machine that convert specific graphics to graphics of your choice.

Most people that mod games like that actually create "nude" mods so when they put on specific sets of clothes they actually look nude to anyone who is running the same mod. To everyone else they look as the game designed. So if you find the right game and find someone that makes mods, you can make a modest-mod so your machine only shows the clothing choices you want. Just remember, it's a local filter (like a chat filter) and only affects those who use the mod. No one else's game is affected.

It's worth noting that some games make you sign an agreement that prevents modding so if ethical use of software is also a concern you'll need to find a game that allows modding in the terms of use.

Final option is to give up the virtuals and go back to text rooms or engage in video conferences with real people (if you're stuck at home and can't go out to meet people in person). Good luck!
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http://www.freerealms.com/

http://en.wikipedia.org/wiki/Free_Realms

This is a family friendly MMO, the graphics are cute and the mini-games rule.
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