Interesting -- I like clothing a lot, too, and for many of the same reasons, but I still like being naked. Perhaps the difference comes down to your last reason: while I like clothes, I also like being without them. Though given your footnote, I'm not sure that that's it, either. I think I am just a little bit of an exhibitionist (tempered by a strong personal prohibition against imposing my own nudity on people/situations where I'm not sure it's called for, which mostly means that I am unlikely to take off my clothes before other people do unless it's already been firmly established that it's a nudity-positive situation). Possibly this is related to the way I enjoy showing off clothing, too (which has no such prohibition).

And I don't trust people either.