When I started this thread it was never with the idea of changing the game, but just to have an open discussion with an healthy exchange of ideas and view points. Because the more perspectives we have in topics like this the better. And throwing out ideas, even ones that my never work in this game, could spark an idea within someone else to build on that idea for something new. Or to call to attention some hidden problem others might not have thought of or even from their perspective helping everyone avoid a pitfall. Some times just the act of making people aware of things and getting them to put some thought into it is all that is needed. Plus like in the first video I posted about accessibility, just because something is designed with the idea to help those with an disability doesn't mean people without the disability can't also benefit from it. Like how the crosswalks with the special tiles on them help blind people to know where to cross because of the texture of the sidewalk in that area, also helps to stop people from slipping in the rain when going up and down the slops. And likewise the sounds the light makes that tells you when to walk and when to wait don't just help the blind but anyone who for seem reason can't clearly see the signs or are otherwise to distracted to notice the lights changes (I can't tell you how many times walking to or from school in a half sleep state or when I was sick that the sound from the lights helped me. Not counting all the people who I seen crossing the street without ever looking up from their cellphones.). Even if none of the ideas we explore in this thread are ever used in this game that still doesn't make them useless, as who knows some of them can be used in another game.
Anyway, on the topic of things like cloths and armor. There are lots of cloths and armor that have no sleeves and legs. Not everyone goes about their daily lives wearing long sleeves and pants. Some of it is cultural, some of it is environmental (it is to hot or you work at job where there is a risk of injury if your cloths get caught on the hazards), and some of it is just person's own sense of style or comfort. And this not even counting asymmetrical cloths and armor. So the idea that clothing and armor is going to be something that stops a dev from having a player character with a missing arm and/or leg doesn't make much sense to me unless all the cloths and armor in the game are long sleeves and pants made out of hard and rigid material. Otherwise they could leave the cloths the same have just add cloth physics to everything that needs it (looks at games like Warframe and how cloth physics plays a role in not only how thinks look but also in how you might feel about something. And how many people are willing to pay money for a good cape or tassels for their weapons.) I don't see it as a problem that would stop development or cost to much money to do because it is something that pays for itself as seen in other games.
Also, where whether or not a game makes having people with disabilities in their game a thing, I still feel that they need to explain themselves as to why. Even if it is just something in the lore about how do to the technology or magic no one is born with a disability and people can just regrow body parts that are damaged or lost. As long as it makes sense for the game's lore as to why some people would not exist in the game and it is a good reason than I'm all for it. But this a war game so people are going to get injured all the time, what would be the lore reasons why there is no disabled people? Nanotechology, genmanipulation, cloning the body and downloading your mind into that new body, super high tech realistic looking prosthetics that the government gives out for free? What is the reason, and what happens to the people who reject such ideas as part of their culture or personal views. After all, there are some people who reject things like blood transfusions because of their cultural beliefs. Because remember to some people good game lore is just as important as good game play, and it is the lore that keeps them coming back for more even long after the game play starts to feel repetitive to them.
I'm on the side of things that say if you go about things the right way it will not add to the time and cost of game development because all it takes is just a small change or adding flags here and there. Or just putting more thought into the game's lore as to give valid reasons as to why things are the way that they are.
Also on the topic of blind characters I think it is a good idea if you have them relay on the use of sound and vibrations more. Because even if you can't see or hear something moving around, you can still sometimes feel it moving around through the ground or walls, anything you are touching that can transfer vibrations from one place to another. I don't always need to see and hear a truck to know one is coming because I can feel the ground moving and sense where the movement is coming from.