Same. I’m a gooner. But I like building into the fantasy. I like the role play starting with “Ooh, I’m a tough mage overestimating herself, here I go in this dungeon” - but starting that mage out in nothing but a thong pulls me out.

Write situations where it makes sense to briefly see someone in their underwear, I won’t deny being satisfied. But you’d have to write. People still need regular clothes