Actually, isnt the neutral armor itself lazy? Its basically so they dont have to have X running around mix matching parts. This way, he has a full armor on at all times, and all it changes are the lights on it. I mean 2 armors in one sounds nice on paper, but when you realize that parts collection is no different from any other X game, and the full armors have different names to boot, it seems like it's just terribly convenient that the 2 armors are part of the one armor... They dont have to model different armors that way, and dont have to model individual parts either, just the one full armor, and change only the lights on it.
It's even more so lazy when you notice that they also made the Ultimate armor just a pallet swap part of the same armor.
X7 for it's faults, at least stuck to the pre-X5 tradition regarding armor parts. Then again though, there was only one armor to model, whereas X8 has 3.
So perhaps it might have been too expensive. Though it still feels pretty lazy.