If you have any open wounds the chances of it getting infected will be higher. To a lesser extent clothing will get dirty and more ragged over (a long period of) time, with a similar system. This will have a super-gradual impact on wound infection, and will essentially mean that you ...
well that sucks. I appreciate the intense level of simulation, but it seems like kind of a waste to create that amazing world only to not do anything with it the end of the world would also not be boring at all considering all the insane people you'd have to fight with to survive, ...