Forum model is probably better, yeah. It could run off a dice system (some forums have dice rollers, or can have them plugged in), or it could run off some kind of a karma system - although less randomness is not very fun. Make a basic list of Attributes or skills, rate them from say, 1-6, do some dice voodoo, and then get to the fun bit of tinkering - clothes instead of Hit Points is one possible mechanic, or some kind of penalty for being under- or overdressed. It depends on what your design goal is, really. Does a girl lose by being stripped, and if so, what happens when you lose?
If there's interest, I would be on board with writing something like this. I don't know a lick of programming, but I'm pretty experienced with tabletop games.
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