The town clothes were problematic because the don't fit graphically with armor. Some of them are outfits now, but the really problematic ones were turned into tonics. It's unlikely the tonics will ever become outfits. There were just issues with them, probably with building them to work with player actions/skills. Most of the hats can be converted into helms, though. I can wear my witch/warlock hats with armor, not that I ever would. I've seen lots of places where they stated that they wanted to get them into the wardrobe, but just couldn't.
The easiest comparison is always the paladin, or holy warrior. Under a less cursory examination this doesn't really hold up as there are so many religious views between the races. For me, Ree Soesbee described it best when she said their power comes from faith. Not faith in gods necessarily, but faith in what drives that particular race. Humans have faith in their gods, norn in the spirits of the wild, asura in the eternal alchemy and sylvari in the pale tree and the teachings of ventari. Last, certainly not least and one of my favorites though was the charr. The charr guardian's power comes from his faith in his/her warband.
Beyond that, I would encourage you to find your own guardian. They are based on that faith, but how that is represented is up to you. Are they a ferocious zealot, a pious monk, a stalwart defender or a wanderer or seeker of truth. There are tons of directions you can go both closely correlating with the racial norm or as an "against-type" character. The real question here is who is your guardian?
My sylvari guardian is a wanderer. In his personal story choices at the beginning, he chose, "where life goes, so to should you," and in a lot of ways that has informed my character. He ended up in the Order of Whispers, giving him a bit of depth by not going with the obvious order for his profession. I really like how he has come along, honestly, not only as a mechanical character but as a role-play character. (Note: I'm not a "role-player," but I do like my characters to have a certain consistency to their story. To me that's really role-playing.)