I got Jade Empire.

[A Black Falcon]

Shogun is a Western game and has a Japanese voice option, but it's a strategy game so teh volume of speech in the game is probably a lot less than a big RPG like Jade Empire... and sadly, the other Total War games don't have other voice options (Rome should have a Latin choice, darnit! :) I mean, I can understand not doing one in Medieval because of the sheer number of languages, but Rome?)

DJ, KotOR had customizing. You chose a head, yes... but then you could choose equipment, and that equipment is reflected on what you see on screen. Jade Empire, or so I've heard, has no inventory... and thus no changing of what your character is wearing.

Oh, I've heard the "no inventory is better than the horrible inventory "system" in KotOR (from the Obsidian forums)", and they're right about how awful KotOR's inventory system is, but... it's better than nothing...

As for "naked", there's almost always a baseline outfit. That would just refer to removing all other clothes and having the baseline as your clothes... unless you're playing Daggerfall, in which case if you take off your clothes your character is actually naked. But in every other game in the world, your character(s) are either in clothes or underwear.