If a "ghost" is seen, it is an image built through consciousness. The consciousness will create the appropriate clothes along with the rest of the image, if it is so inclined to...which it usually would be.

No particular reason the ghost couldn't appear nude, in other words, but if the consciousness that creates the ghost is inclined to imagine itself clothed, then it will build its image in that fashion. It has nothing to do with a mechanistic progression of clothing into the afterlife through some sort of osmosis. ;-)

It's pure consciousness...just like the images seen in a dream. People in dreams are usually clothed too, but not always. The consciousness of the dreamer decides whether or not to clothe them.

And that's my theory. Don't like it? Well, bite your pillow! ;-)

We all would very much like to know the reality of the situation, Naemanson, and that's what keeps us all curious and investigating the unknown all our lives. We all hunger for the evidence. If evidence to prove or disprove a particular matter can't be found, we still remain very interested, right? That's natural, because we want to know.