: Cortana is not a female. She is an AI.
: She chose to look like a naked woman (likely a younger Halsey).
: Why? Because that was the AI's chosen form, and it's Not A Big Deal™.
: She doesn't have lady bits because she's not a human, she's a hologram, and
: it's Not A Big Deal™
: There have been times when her code gives the appearance of clothing, but as
: you acknowledged, it's not real. It's code.

Exactly. She gives the impression of nudity without actually being "human" nude.

: Yes, that was the 343-patented
: BS-Excuse-To-Try-To-Give-Everything-An-Explanation-And-Leave-Nothing-To-Mystery.
: I think it was what started the entire sad debate about her being naked
: all these years, which 343 decided to retroactively change to suit the
: really awkward "what old white men think women would like, while not
: making themselves uncomfortable" direction that Halo has gone in.

Nothing changed. She was never a completely naked human form. ;P