I removed my pants by mistake and was unable to replace them. So, I reloged to sim1.vaak. and arrived with no name and a particle cloud avatar. After teleporting to my region, I was able to bring up the Edit Appearance dialog, but never received body parts or clothes. I tried teleporting to other areas/relogging with no success. Then, I loged in an alt and saw my ghosted main avatar there in my sim. After restarting my sim, I logged in my main avatar and had a ruth avatar. So, it seems that having a ghosted avatar in your home region prevents having body/clothing.