Yes, unfortunately, that live embodiment of a complete lack of fashion sense in the middle happens to be my Runekeeper, waiting for a cooldown to finish to go and dispatch some undead creep. And apparently the undead are also immune to displays of bad taste.
LotRO offers a solution in the form of dyes that can be applied but I’ll have to confess that yours truly is a bit too stingy to spend money on that. The gentleman to my left, a guardian four levels above me at that time, was wearing a set. The lass on the right was level 40, go figure what fashion outlets they get in Rivendell.
Completely mismatched gear seems to be a common trait of several MMOs (and don’t get me started on the Subligar Men in FFXI…), almost to the point of becoming a reassuring feature that transcends many settings.
Food for thought: in the fiction works inspiring our MMOs, the protagonists usually start and end their adventure in the same armour (and often with the same weapons). In LotRO, players eventually get access to Legendary Items, a weapon and a class-specific accessory, which will level, can be imbued with effects and reforged as needed (but, I gather, still get replaced every so often).
I for one would be keen to see a game system where you start by creating the looks of your armour set at toon creation, then keep the same throughout your career, with enhancements no longer in the form of wholesale armour pieces dropping (hey, look, that tiny goblin just happened to have a blue mailshirt that amazingly fits my elf three times the size perfectly!) but rather an expansion of enchanting and gemming systems, where over time you reforge and mend and add in and gradually replace materials to your taste.
One can always dream. In the meantime, walking around like a poor impression of a clown or buying dyes off the AH seems to be the only way to ward one’s innards against unwanted spilling out.