For me, it's way more comfortable to get my bottom half free first. I don't mind having just a T-shirt or shirt on with nothing on underneath, but I don't really like going topless with trousers or jeans on, as it feels uncomfortable to me - kinda like I have unfinished business to take care of! I could tolerate going topless with boxers on, but I'd rather just get the boxers off if I have the chance to.
How about you?