>>103791757
Standard cheap way is to not even have a torso at all, no reason to render anything that isn't visible. A lot of Holo models are like this.
If there will be multiple outfits with the same model or they're just a little extra then there will be a crude base torso layer, but like a doll without sexual features because there's no reason to render them. Pic rel.
If the model is for NSFW then obviously everything is rendered but it will probably have a toggle.
If a chuuba made their own model then all bets are off.
No major corpo chuubas would have nude toggles.