I don't play 'T' games because in some cases I am 'too old' for them.
I mean there are plenty of good games that have the 'T' rating. Uncharted wasn't bad, Infamous wasn't bad and the list goes on...
If you really need blood guts and upper body nudity, you should probably always seek out the 'M' rating. I would play an 'E' rated game if it was good.
I mean I personally thought the Legend of Zelda: Ocarina of Time was brilliant for a 'T' game, but I find myself thinking that it would have been better if Zelda had gotten her tits out.