Michael - obviously the woman is perceived as being stark naked in versions sung nowadays: that follows automatically from the change in the meaning of the word 'naked'.

My point is that when the song was written & when it was first sung, she almost certainly wasn't imagined as stark naked - and if there was a real incident behind the story, there's no reason to imagine the real woman stripped naked for the occasion either. I'm not being mealy-mouthed or prudish here, just historical.