Does anyone have list of the times the player character's lack of clothing alters existing or creates new scenes?
So far I am only aware of the one in the Red Orc Camp.
In Bareshade, Logan will not talk to you if you are naked.
Entering the Northcrest Marketplace while naked is illegal.
There are also a lot of changes to flavor text that don't necessarily have any real effect, or the effect just being lewd fame.
This is probably not an exhaustive list.
I got 2 more so adding on to MarloweC there's going into the bar n Bareshade which has Harold and some bar goers comment on it and if I remember at some point Bernard had a moment where he'd be embarrassed if you walk in naked to his shop