From what I can tell I think both the Minnow and Shark need pants? Not sure if the Minnow needs a chest covering. I think I can give the shark some swim shorts, but I’m not sure how to apply that to the Minnow, since she has the apron
I don’t think you really need a modesty layer here.
Modesty layers are largely worded to avoid human or human passable forms being depicted, something like a lava creature can look humanoid but be allowed, since it doesn’t really have the passing features.
Interestingly though, you might have issue with the accessories, since those are against the rules, so adding pants might be a problem.