A friend's toddler used to greet all house guests with a rousing rendition of "Nakey Baby" wherein she would promptly strip down and run about the house giggling and squealing "Nakeeeeeey Babeeeeey" with utter glee. It was a great game because her mother was mortified and her father was delighted.
I loved her joie de vivre!
Myself, I average out somewhere in between the two.
Like others have stated, I can not tolerate sleeping in clothing - it gets all twisty and sweaty and I feel velcroed to the sheets. And if I'm in the comfort of my own home at any time of the day or night I don't want to fuss about being "covered up enough".
But I do live in the arctic north, so nakey is not an all year round option. Add to that the windows on one side of my house do not have coverings so when the leaves fall my flat is visible to one set of neighbors (who are professional hippies and would be quite happy to see me wandering about nakey I'm sure... but that is really more than I want to share with them).
I will only take a hot tub or sauna or steam if I know you *really well* because all of those activities are better done naked and I don't do naked acquaintances.
But drop me on a topless or nakey beach in Europe and I'm happy as can be. Naked near complete strangers doesn't bother me a bit.
