Yeah, I get what you mean. And you're right.
About the "seeing characters naked when it's earned" part... That an aspect of the "russian grind" trope. The Inn won't go that way. So you'll see "bits and pieces" of the character's bodies even if you don't have enough lust or affection with them.
You can call it fanservice.
EDIT:
Also, as I said, when the rework is finished, all the specials will be playable whenever the player wants.
They will unlock some rewards, like special outfits and flavor text/dialogue, but those will be unlocked across all saves.