My preference is naked. Hugging a guy using full-body skin contact is the hottest for me. My hands squeezing his bare ass, pulling our grinding cocks together - OK, cool down there, Bob.
But I've had other experiences with guys who liked to retain certain articles of clothing. One guy used to like blowing me while I wore one of my complete business suits with necktie. He would just unzip my trousers. Well, OK, for a good BJ I'll dress like Bozo the Clown if I must.
Another guy liked elaborate locker room scenarios with dialogue. Usually played out in his house, but a few times in a real gym locker room and gang shower we managed to have all to ourselves.
When at his house I first took a shower, then came out into his dressing room wearing just a towel. He'd already be there in gym attire, sitting on a backless painted wooden bench he'd acquired, that replicated some you'd actually find in locker rooms.
Then he'd begin this pretend conversation like we were in a straight locker room. He'd be trying to learn if I was gay & willing. Easy for him, he was a professional actor, but I always felt clumsy & phony speaking forced dialogue.
Eventually we'd kiss standing, and he'd start to play with me, reaching under my towel but not removing it. A BJ would follow, towel still in place in case "someone" disturbed us (it was his private house).
Then I'd return the favor, pulling down the waistband of his trim gym shorts and reaching inside his jock, pulling his dick out. Finally we'd transition to his bedroom for a totally naked romp, without any explanation of what a bed was doing in this imaginary locker room.
I've had other adventures in various states of dress like that, but just to please the other guy. As I said, my own preference is completely naked.