I love your theory. The real world one looks true to me as well. But it is your in-world one that sounds so intriguing. And quite possible true.
the biggest weak spot I can think of is that some of the ferengi gathered at the convention to discuss the Gamma Quadrant (DS9 The Nagus) are wearing headskirts. Of course your (in-world) explanation about them not feeling secure enough to go bare, could work always. And I am not sure of their roles in the ferengi society either.
I love your theory. The real world one looks true to me as well. But it is your in-world one that sounds so intriguing. And quite possible true.
the biggest weak spot I can think of is that some of the ferengi gathered at the convention to discuss the Gamma Quadrant (DS9 The Nagus) are wearing headskirts. Of course your (in-world) explanation about them not feeling secure enough to go bare, could work always. And I am not sure of their roles in the ferengi society either.