I agree with the clothes being a turn-on, an intregal part of the whole sexual encounter.
I remember a one-night-stand a couple years back where we got back to my place. This guy was wearing 501 button-fly jeans and a short-sleeved silk button-down shirt (I think I must have a fetish for 501 jeans, and, maybe, possibly silk). He was a good-looking guy; smelled nice. I turned on cable news and gave him a beer while I went to the bathroom to shower (for whatever reason, I didn't feel particularly clean).
Anyway, I came out of the bathroom, freshly showered, in gym shorts and a t-shirt, and this guy was stripped naked under the sheets. Jeans, shirt, boxers, socks, in a neat pile on a chair.
I felt let down. I felt robbed of something. Yes, he had a nice body and looked fine. But I was robbed of all that stupid, casual stuff like rubbing his dick through his jeans. Unbuttoning a couple buttons of the shirt. Wondering if his chest was hairy....
You know, a naked body underneath the sheets isn't as sexy to me as the action it takes to get the body naked and under the sheets. There was no build-up. A naked body underneath the sheets means straight-up "SEX". -- I'm not a "cuddling" type high maintenance guy, I don't want lots of foreplay and kissing. But I like the act of slowly undressing and a build-up to sex. I like wondering what's inside the package for a while.