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More seriously…. the obvious ones are, Pro of clothing… armor, pockets for carrying things, concealment, first barrier of defense against something like acid, or a hostile environment Con of clothing… something an enemy can hold onto, restrain and choke. If we take something like a school/cat fight where clothes get ripped off, but neither stops due to the indecent exposure? Flesh would be tougher to grip, maybe they go for the breasts? Certainly, urination or defecation during the match could be used, offensively or for shame depending on the person’s level of control or fear. (Which is more or less the limit of internet “research” videos can direct me…. )

Well, I don’t plan on having anything too serious happen. Basically, a bunch of vampires are attacking a bus full of humans. The person who told the story happened to be naked at the time, ran out and fought off the vampires. The humans being saved are… very grateful.

If I based my response on armor ratings in most RPGs, a naked woman ought to be invincible!