With the current state of the game I kind of imagigine “no clothes” actually meaning default basic clothes like in many games that just don’t want to be an issue. There are various ways we could handle this, ranging from putting a plethora of different undergarments into the game with attendant encumberance tweaks, since it’d just be silly at the moment. To having default non-removable undergarments “stuck” in the inventory.
Whichever way we end up going with it, it’s neither trivial to add nor a priority, so it’ll kinda stew for a while.
Aside, I’m far more sympathetic to games avoiding the issue like that now that I’ve worked on Cataclysm, “he characters can be naked” isn’t a particular feature of the game, but if it’s there suddenly it’s a big deal.