I also really struggle with these as well, because a huge amount (I might argue majority) of the supporters for female beauty in games will really only accept a pixel's width short of actual pornography. So you're stuck with two polar opposites to choose to support, ugly as sin man-women or slutty women who would look at home on OnlyFans.

Nier wasn't bad though. I've played it twice. The vast majority of the time you have to put effort into looking for smut. Even the ladder clip you mention involves intentionally manipulating the camera to look up a skirt. I'd call it acceptable for whatever it's rated as.