If you wouldn't let your mother play the game it's R18 or basically anything obscene is where i draw the line.
That wouldn't work with me, if I made a full on porn game and my mom wanted to check it out, I wouldn't stop her. But she also isn't much of a gamer so I wouldn't actively ask her to play something even as innocent as Tetris.
having your healer run around in a mini-skirt flashing her underwear at you all day adds nothing that has to be there to the game
I understand the sentiment, but what if that was an actual part of her faith or code? It could be a nice twist on religions in the game, it could be something she doesn't do out of want but tradition, etc.
For the legal part, PG-13 is exactly defined and if anything goes beyond that definition it cannot be allowed here because this forum is under corporate/business laws.
It is? Do you have a link? I've found it incredibly hard to find an objective, quantifiable list that can be adhered to. Even in film it's largely subjective. "Non-graphic" is easy to understand but I often seen "justifiable" thrown around and that's incredibly easy to misinterpret.
On the other hand I know a few family movies for Age-12 in Germany that contain scenes with topless female, simply because nudity is not automatically associated with sexuality here. And there are other cultures where people didn't even care about nudity at all.
Culture definitely matters. In the US, it's fairly safe to assume that nudity should be avoided and over-the-top violence is better than gore.
If it is added just to have it there, then it is too much. All items in your game you need to make sure they are needed, and if not you can cut them and still have a good game.
This I definitely agree with and want to echo. There are many games that add it just to boost sales, it doesn't mean the game is better and can directly make it worse.
For purposes of posting it on this site, I find the simplest solution is "don't push boundaries" (at least until I find a proper list
watch as it's actually obvious and I just missed it)