Babies are born with very nice clothes for free, which magically get bigger as they grow, and never wears out. It does not seem to make sense that a second outfit would be so expensive when there appears to be a never ending supply of free baby clothing that matches exactly the clothing you can buy (I've yet to see any naked children running around without clothing - hmmm, would that be called the
"Michael Jackson" mod?

)
However, whether clothing is cheap or expensive, there are going to be complaints. If clothing was cheap, the complaint would be "I have a million technology points and nothing left to spend them on."
I like the idea of being able to change a person's clothing. Perhaps another way to do it might be: Everyone is born with torn ragged clothing. $25 will buy off the shelf outfits; $50 for outfits to match occupations, such as a white coat and stethoscope to more clearly identify a doctor; and increasingly crazy prices for designer outfits to give people who have finished researching their technologies something to spend technology points on.
Along the same lines, a
plastic surgeon could move into the hospital and for a fee, change your head graphics or your sex. And a
psychiatrist could move in next door and for a fee, change your likes and dislikes.