Sometimes wearing just sexy underwear. My girl sometimes keeps a sexy bra on

I've never had sex with clothing on (other than perhaps socks). I've fantasized about it, tho. Usually involving doing it in a semi-public place, like a clothing store changing room.

In public wearing a dress/skirt is win! Bonus if I'm rocking a kilt.

Both are very nice. It depends on the vibe. Only a hoodie can be very hot, skirt without panties, summer dress no panties also.

I have seen someone wrap panties around someone's dick while doing outercorse. That is extremely sexy.

Seeing pants down to the ankles is somehow hotter.

My wife always asks me what I like in bed and I keep telling her to keep her boots on. I guess that isn't the answer she is looking for since she never wears them for sex and keeps asking the same question. 😅

I like to wear underwear and a shirt because that's how they do it in the movies

It’s mostly just impractical to have clothing on. I think it works in porn but not real life.

Both can be fun, naked can feel more intimate, but leaving clothes on can feel more primal like "give it to me now". Some clothes like sexy lingerie are especially nice to leave on sometimes.

Sort of like when the GF starts by wearing some sexy negligee but prefer her totally naked when we actually begin to fuck

Age quod agis

Lot of things can work, its context and often sex position dependent... as well as somewhat kink dependent.

Say you're both into a bit of bondage, CNC?

Wear some clothes that you can actually get stuck in, if only halfway removed, leaving your arms or legs somewhat constricted, or maybe one or both of you is into a shirt or coat or something stuck over your head as an impromptu blindfold.

The whole... tearing off more clothes as the encounter progresses?

Yep, big fan of that.

But also certain clothes can hinder or help with certain positions.

Heels change the angle of the pelvis, might add enough height to make an unworkable standing position into a workable one.

Whole lots of possibilities.

I always seem to keep my socks on.