I'm trying to imagine how games could use nudity in their gameplay >_>
Like imagine a stealth/assassination game like Hitman or Assassin's Creed with a naturist resort level. You'd have to get more creative about your methods since you can't disguise yourself, and you'd probably have a quite limited inventory for tools and weapons if you don't have clothes to hide them in xD
Agree with the Final Fantasy 14/MMOs idea too - they say that mage-type characters wear lighter armor to allow for better channeling of magic and freedom of movement - imagine how much better you'd be at casting spells (especially nature-related magic) if you didn't have the impedance of clothing at all! ^_^
In Hitman, you'd just ditch everything and then use the cheese slicer from the kitchen as a garrote
Skyrim would be a fun game to have nude characters in.
If you have skyrim on PC they make mods to make it nude for certain areas and characters. So yah, if you do have it for pc just say so and I can get you a list of the mods that will make it that way for you.
I played Morrowind with the nude mod. It especially give the wild people in Solstheim the right vibe.
There is probably a nude mod for every Elder Scrolls game.