I never got the third TimeSplitters game when it came out and seeing this character for the first time recently made me do a bit of a double take. Pretty sure she is underage too which is a bit, uhh
Also, from the TimeSplitters Wiki:
Unlike other skirt-wearing characters in TimeSplitters 2 and Future Perfect, Jo-Beth's legs and underwear are fully rendered and do not end in shadow past the hemline.
Yeah it could be worse. It can be interpreted more as him going "should i tell her to go first or just not look" rather than him actually trying to be creepy.