I have no idea how Rift manages to make a scantily-clad female warrior in 'plate' armour complete with panties showing, and using a good graphics engine, look so incredibly unsexy, but by God do they manage.
In Guild Wars you grind / farm for the skins you want but all skins are nice, and mix+match of cheap skins with expensive ones can get you great looks. In Guild Wars 2...
...let me not talk about Guild Wars 2. ._.