I like nothing and socks,
skirt no underwear and socks, tshirt no bottoms with socks
Basically any clothing item combined with socks.
Also nothing with a pair of sneakers gets me going too
IRL clothed sex is sometimes a necessity depending on where you are doing the deed. When I was in High School a girl sat on my lap with no panties on with a knee high skirt on and we fucked while we were sitting on the bleachers during lunch.
Clothes on can be super hot. After they get ready for the day you bend them over flip up their skirt, slide their panties to the side, and then deposit a nice load. Then they get to walk around all day feeling your seed inside them hopefully making their belly swell.
For games, it depends of the context. I prefer naked, but in public places, such as office or cafe (stressful situation where people can catch you) clothed is more enjoyable (and more realistic )