Can you be naked in town/get to town naked,zoophilia be dropping someday?,lost clothes events?,locked out naked?,losing your clothes, getting clothes stolen ?,etc is any of that in game
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There are events where you can flash people in town, and people react if they notice you're not wearing a bra/underwear. There's also a chance for someone to steal your underwear when you shower in your dorm room. But that's about it afaik.
If those are the kinds of things you like tho, I recommend you check out Degrees of Lewdity if you haven't already.
You could also check out https://dolmods.net/. It has the original Degrees of Lewdity as well as a bunch of mods for it.
I can't personally recommend any because I don't even like the game, but if you see something you like, the option's there.