ONLY reason for clothes is to keep warm. Though in Victorian times it was also as an impediment against 'sinful thoughts.' Why table cloths were invented (this is ture,) seems some were concerned over the legs of a table reminding men of a woman's legs so a 'skirt' concealing them came about. Other than this rather unusual motivation though it's just climate protection.
As a practicing nudist I can tell you when everyone's nude, no one cares.