At the moment, there isn't an easy disable for the change to the player's racial bonus stats. The code responsible for it is in scripts/person/person.gd in the cleartraits function under globals.useRalphsTweaks. It causes them to be removed from the player during creation.
I don't think there is any way to manually toggle the cloths for the player, but there may be a way to have it happen automatically, though it will limit your description of the player. In AricsExpansion/expansionsettings.gd you can change player_treats_clothing_like_slave to true and edit the save file to make sure that the player's exhibitionism fetish opinion is low. You'll want a JSON editor, find the player, find fetish, find exhibitionism, and set it to "unacceptable". In theory this should cause the player to automatically re-dress after sex, though this was just from a quick read of the code.
