What I meant by that is that it really depends on who is watching and what they like. Some guys like different things
Working from home, I’m nude or near-nude almost all the time. It feels glorious! Having hardwood floors, sometimes I’ll wear just ankle socks to keep my toes from feeling so cold, but usually, when it’s the cold part of the year, the first thing on and last thing off is my shirt. When I’m getting ready to go out, the shorts or pants go on as late as possible, usually just seconds before stepping out the front door. Coming home, the clothes come off again within seconds after returning home, usually stripping (inside) right by the door, even before it has fully closed.
When I'm cold the first thing I wear is socks or snuggle under a blanket. Beyond that I'm guilty of Donald Ducking it when cold. When I'm really cold shorts just won't cut it.
For me it is a shirt. If it is too cold to be completely naked I find that if I put a T-shirt on I am not nearly as cold. But I will have to try the hat thing and see if that helps. It frustrates me that I feel like I can't go out in the backyard naked because it is too cold.