That's a great question!
When I tried to do that in the past, I almost always ended up with very skimpy clothing. For example, if I had explicitly prompted for sleeves, I wasn't able to get sleeves without really pumping up the weight of that part of the prompt.
You can still see this in reverse today. If you have a character with most of their skin covered, some of your nude generations will often have little bits of clothing covering them.
Facing these tradeoffs, I opted for giving the best support to the image that players would most likely see the most: the clothed body.