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Here's one thing that I think influence's a person's perception of ENF moments:
Do you prefer ENF told from the naked girl's perspective or from the perspective of an onlooker? And based on your answer, what's your preferred medium for ENF content?
I've noticed short-term ENF (like wardrobe malfunctions and pranks) tends to be more focused on the nudity itself while long-term ENF (like stolen clothes or some kind of dress-code change) tends to be less concerned with describing the nudity than it is with the PoV character's reaction to the nudity. As such, different mediums are often used to reflect how the ENF is implemented.