>>1061203>>1061935But you can also get them while wearing clothes.
Little fuckers get caught on the outside of your pants, crawl around until they find an entry and then crawl around on you, until they find a spot where the skin is soft, thin and warm. Which, depending on their mood and where they entered, will be your armpits, hollow of the knee or dickal area.
That said:
Walking around nude can be fun, but I prefer to do it when the occasion fits this, i.e. on a beach. Hardcore nudists who want to be naked everywhere and all the time are kinda weird to me.