Ah, okay, I see. I've done some testing on my end and made some edits. While the jumper space suit is body-conforming, because your character has non-exposed underwear underneath, the armor should go along with it. So hopefully this issue is resolved for the next release.
And no, depending on the underwear your character is wearing, it will need a crotch exposed property to be able to be considered exposed. If the hardlight is transparent, it only contributes to visibility, not really being open to access. Hopefully that make sense.
Lastly, I was unable to find "hardlight stocking and garter", so the closest I could get was the "hardlight stockings and panties", which is not underwear made of hardlight, but just a regular "stockings and panties" that has been upgraded with a hardlight dildo ("Hardlight Enabled" for the item means it has a hardlight dildo).