A few days ago, I started up Dragon Age only to find that my character was walking around in his underwear. While there are certain situation where this is acceptable, fighting the darkspawn is not one of them. It seems he was missing his armor. In particular, this armor was from the Warden's Keep DLC.
To fix: Go to Downloadable Content then the Installed Content tab. Un-check all of the items and then re-check them. Go back into the game and your character should have his armor back.
Another fix: Make sure you are logged in (lower left corner).
Hope that helps.
