There are so many existing clothing choices not to mention so many more being released each year. Rendering the scene with everyones clothing options causes a considerable strain on the server. So it only renders those you see to save resources.

Seeing the back of your own head will cause a bsod. Tech team can't fix the bug.

They're not all in first-person, but the third-person ones can get very disorienting very quickly, and the game doesn't usually go on too much longer if you see one.

3rd person is possible, but you need to craft it yourself (impossible without good crafting skills) and the mats are pretty expensive.

But if you really want it and think you can make it, you just need a VR headset, a smartphone, a roll of duct tape and a long stick.