I seem to be the exact opposite as most here. I find nudity comfortable simply because I find close UNcomfortable. Clothes pull, tug, rub against my skin and body and it gets annoying. I also cannot stand that clothing traps sweat, oils and other skin discharges.
I have tried loose clothes, tight clothes, and just about every fabric you can think of, and I have never really been comfortable. The least troublesome combination I have found is slightly tight natural fabrics, because they minimize rubbing, and when they do, it's not as bad, and natural fabrics tend to absorb and dissapate sweat better.
One of the things that helps me be comfortable without clothing is that I have never been able to figure out society's taboo with the nude body. Seeing naked bodies in non-sexual activites really does nothing for me and is a non-event. I guess I'm just not wired right becasue it doesn't bother me the way it does others. It does not bother me at all if someone sees me nude. I wear clothing simply because it is illegal not to in public, and it is not socially acceptable. I just go along with this rule simply so I can carry out my life despite the discomfort...at home though, the clothes come right off!
One of the other things that keeps me in my clothes however is cold. I am a rather small dude, and I loose heat quickly and get chilled, so in the wintertime, I must either crank up the heat and spend lots of money of fuel, or put on clothing. My new wood stove however helps in this respect! Nothing like absorbing lots of radiant heat all over my body on a cold day!