Could be tied to clothing damage beyond gear durability; exhibitionist tendencies accrued over time from certain situations (similar to the other "red perks"); curses; stolen clothes from camping; stripped by another encounter or field traps; etc, etc. Eventually, unlocking the option to simply be naked day one (which, yeah, mechanically should still affect how people and creatures interact with such a situation).Personally, I think that's goofy. Just Hiro standing in encounters fully nude, or wandering around town.
Mechanically, sounds interesting.