The male players are loaded just like the female ones, so in theory you can customize them all you want. But... there's a check in the game that will make the human player's character drop clothes at the beginning of the game until they are down to three. I did that to keep the female avatars on par with the male ones. So giving them extra clothes isn't going to work unless I change some things.
You can customize the sounds that are played after any specific clothes come off. Check the documentation posts for a list or look at Leah's nun outfit for examples. I think in theory if you add your own sound files in the same folder as the other ones, and use a matching sound effect name, it should work. Have fun adding those whipping sounds.
As an alternative, you could also have your character undress normally in the game, and then use multiple finales for the escalating"punishments" after you win. Basically like Leah's nun outfit does, but with fewer clothes and more finales. That will require winning multiple times to unlock all the finales though.