Well, people have different concerns, body types, comfort levels, heating budgets, climate variables, sleeping arrangements...and above all, habits. I 'usually' wear clothes, even when I don't have to because things stick, splash, burn and otherwise irritate my delicate sensitive skin.. *grin*

I think Nancy King's remark was quite relevant..
" ..because my arms and shoulders get cold when I read in bed."

In bed? In the hottest Summer months, I will wear nothing at times...in the coldest Winter, I have several old, soft, long-sleeved turtle-neck pullovers which must save their original cost in heating bills each Winter.