As a girl, at times I find it a little ridiculous, as in fighting scenes- most people don't wear micro short skirts, and down to there blouses to engage in battle (for one thing where does a girl keep her weapons?), like they did in Tenjou Tenge, Ikkitousen, but I can see how it is enjoyable.
But then why rip their clothes off to boot, they are already flashing you ^_^. The first season of Rosario + Vampire there was a lot of fanservice, but it didn't bother me it was funny, in the second however it just seemed contrived as if they were saying "ohh jiggly wiggly here, panty flash there, it has been a least 5 seconds with no skin showing".