I like to think of Saki as a story set in an alternate universe where mahjong is insanely popular and underwear doesn't exist.
The lolis get the worst of the fanservice (the Eisui loli was seriously distracting, every time she was on screen I just wanted someone to properly tie her miko uniform thingy), but I also remember shots where Nodoka and Momo clearly wore nothing under their skirt. Oh, and no bra either. That can't be comfortable.
I know, I take a manga about superpowered lesbians playing mahjong way too seriously.