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There are definitely hacks that will enable real game nudity as just one more viable state of dress, rather than forcing it all the time or using invisible clothes/penis clothes/whatever as one of the other states of dress. (I can't recommend anything in particular, since I've not tried any, but I've definitely seen them.) On the other hand, if you just want to do a photoshoot and aren't looking for occasional nudity as part of regular gameplay, then you probably just want outfits classified as everyday/whatever that will make Sims look naked, like the invisible clothes linked above. You'll need to check a site like inSim Adult or SexySims2 (assuming you're old enough to do so) if you want 3d boy bits, though.