One thing that I always thought would be nice in Oblivion is a setting that allows you to equip all the equipment that you actually want to use for practical purposes, but have a separate cosmetic section where you select what you want to appear on your character. whatever you select for your appearance is purely cosmetic and wouldn't provide any bonuses, but this way if you like the look of a set of robes, but need armour for fighting you get both without having to switch between the two.
If you're talking about having the robes and armor on but only showing robes? That makes no sense. If looks like you have no armor on then you shouldn't get an armor bonus. However if you mean having both on and having them both show at the same time. Sure I'd like that. Maybe have robes over the armor. You'd still be able to see some of the armor but most would be covered. --- |h |e | n | t | a | i My Anti-Drug. Gamertag - tiamat89 PSN - XxTiamatxX