My family differentiates between naked, wearing something, visible and dressed.
Naked: no clothes on.
Wearing something: the something may be your pajamas, or it may be clothing you’ve put on for spring cleaning and that will go to the trash as the last step thereof. You wouldn’t want to be seen by anybody that wouldn’t see you naked. If there’s a fire you’ll grab a coat before leaving the house, no matter what the temperature is.
Visible: you’d open the door for the postman in whatever you’re wearing but wouldn’t even go to the corner store.
Dressed: to go out. This has several levels as well, but the levels are described by what activity you’ll be doing. Dressed vs dressed to the nines vs at the beach vs…