>>1905717That's pretty much the same thing for me. I prefer when it's just the result of unfortunate events, rather than anything intentional. If a story starts with some smaller intentional thing but then spirals out of their control from there, such as a girl taking a bet to not wear underwear to school one day but then she just happens to end up gradually losing pieces of her uniform throughout the day in a series of unrelated events, that's fine too.
I'd also add that I prefer when the girl is trying to avoid being seen, rather than when they actually are seen. The fear and anticipation of being seen is always far more embarrassing than when it happens and it turns out to not be nearly as bad as expected since the worst is over and nothing is really going to happen to them. After that, there's not much else other than "get seen again" which isn't nearly as impactful as the first time, or "get seen by a larger group of people" which can only go so far before it starts to get ridiculous. Though, with a genre built around girls losing their clothes through incredibly contrived and unlikely circumstances, ridiculous can still work if done properly.
