I'm there with you on this CeMar, I don't agree with your take on this. I'm not comfortable with my body, I can find many flaws with it....yet I sleep nude because I stay cooler and I'm more comfortable. My LDH is very comfortable with his body and doesn't have a problem being nude in front of me....for him it's merely habit to sleep with something on. For me, it's habit to sleep nude(I did it when I was LD too)...it has nothing to do with my self perception.
I am now starting to wear something more often, because I often have to deal with our child at night or very early in the morning....but it has nothing to do with my self perception. My LDH is starting to come to bed nude more often....when I ask why, he says he just felt like it.
I agree that someone's self perception can have an affect on this issue...but not necessarily. I think though that it comes down to other factors....like having children to deal with, habits...and even intimacy. If you don't feel close to someone you might use extra clothing to keep them at a distance.