Gardening naked means you don't get your clothes dirty. Either way you need to shower afterwards, so why dirty the clothes?
When I work on my garden , that means I am digging , carrying heavy molch , I am on my knees , and often I sit on my butt to rest Bcz I am near 50 yr old ! Last thing I need is a bee on my boobs or a spider u know where ! ??? gardening for me = old scrubs , old nikes , gloves , and a hat !!!