Things that ruin my immersion way more than skimpy outfits ever could hope to do:
Most of your list consists of things that are established as world lore, easily avoided, commonly used tools in fiction, and/or subject to interpretation.
The world lore in Mass Effect establishes some pretty clear standards wrt armor, what is needed for shield generation and maintenance, maintenance of biotic fields, etc. It also establishes not only hazardous conditions in some environments, but also the obvious fact that teammates are under fire.
For some squadmates to step into hazardous, hostile environments sans protective armor is in direct conflict with world lore.
To mention just a few. Most of the ME2 wearing informal wear when most of them would operate in urban areas anyway? I can live with it. This is why I don't take complains against skimpy outfits seriously. ME as a series has never been realistic. I don't think people complaining about this are being as objective as they think they are.
One could make the same claim about your list, no?
Everyone has their own individual limits wrt suspension of disbelief, and some things push some envelopes more than others. Some of those envelopes are pushed for story reasons; the lack of protective armor envelope is pushed primarily to display T&A or because the devs prioritized designing unique character costumes over designing armor for them.
Ultimately, a lot of this has to do with personal values. I personally place a pretty high value on preparation, and being properly equipped to do the job I set out to do. I also tend to role-play characters whose leadership style includes empowering her subordinates with proper training and gear. ME2 flat-out denied me that opportunity, which is one of the reasons that it is dead last in my ranking of the 3 games.