Concerning the girl who wants to sleep in the nude: do it if it feels more comfortable. Just keep a few rules in mind: always keep yourself covered by a sheet in case someone happens to go into your room, and always keep some shoes by the bed and some easy-to-throw-on clothes under the pillow. In case there is an earthquake or fire or anything that requires you to get out, grab clothes, put on shoes (to protect your feet - I always keep a pair of snakers by the bed) and get out - you can get dressed as soon as you're safe.