I don't have SSM problems, I am D, and didn't have before either but I ocassionally surf these forums and thought I'd add a few points I thought of.
If I had a H and he expected to be naked or for me to be naked in bed, or to sleep that way every night, that would be really boring. It would ruin the sexual excitement for me as he could already see it all so there's no build up.
We wouldn't be able to undress each other, which is half the fun.
It's kinda like seeing the present before you unwrap it. It spoils the surprise.
And as for lingerie, I have never worn mine for a man; I wear it because I like it and I think it looks pretty on me and it is to do with feeling good about me, not anything to do with how a man perceives me. The fact that he likes it is a bonus, but he isn't the reason.
I have been living on my own nearly 4 years and I have a cupboard full of lingerie which I sleep in on a regular basis with no man here, because I think I look great in it.
I used to sleep nude in the summer, but in the winter here you'd freeze to death if you tried. Also, last year my 3 year old started bed-sharing with me and I can't get her to stay in her bed so there's no way on earth I would sleep nude with her there. It just feels wrong.
These are some of the reasons why I don't think sleeping nude is necessarily great, but I have done it sometimes when married. It still doesn't beat the thrill of being undressed by the man you love, though.