Being dressed is part of my GFE, lots of clients like me to be dressed and getting undressed is part of their booking. Plus safety and discretion, I consider it easier for someone who wants to cause harm to do so if I'm undressed ie I feel vulnerable, and I sometimes have needed to answer the door to a neighbour, courier, or even pop out to grab someone who is lost or phone battery/signal dead.
These days I am mostly outcalls, so always fully and warmly dressed - very similar to incall, with a smart jacket or coat over the top. Sometimes my outcalls can be quite rural, so will have flat boots on my feet.
Yes I get told a lot it's about the 'unwrapping' and surprise of whats underneath, and I always wear 5.5 stilettos that only ever come off if asked , which has been about 3 times ever .