Oh and thanks for the feedback Macbeth, I have to say the plotline and central choice of Ophelia sounds extremely strong, I'm much more worried about the artistic presentation. Good writing can go a long way to make it feel natural but I have to admit that I'm worried that no level of writing can make "I'm new to this body and haven't worked out how clothes work" seem like anything other than blatant fan-service. If you do pull it off I'll be extremely impressed.
Well, I tried and in a while you can judge for yourself!

Also, there are different types of (semi)nudity, no? 'Nude' doesn't have to equal 'smutty' at all: it can simply celebrate the beauty of the human body. It's my fond hope Ophelia's transformation will be viewed as sensual - in all its meanings - rather than sexual. That she'll be a Botticelli Venus, say, but definitely not a Playboy Bunny.
Raise Forum thread!
Well, I finally got a chance to play this and judge for myself. Artistically I can sort of see where you are coming from, it's a lot less tawdry than a lot of videogame outfits. From a plot perspective though... Ophelia never wears any clothes other than that towel and it's never even mentioned in dialog. In fact she actually wears a lot more clothing when she's a skeleton. It may not be tacky fan-service but I don't see it at all as a natural progression of the plot. You might be able to read things form subtext, for example as an undead the purpose of clothing may not be to protect modesty but to identify gender at all. From that perspective clothing might seem oddly counter-intuitive for a skeleton made flesh.
While on the subject of the writing I'm in two minds, the plot threads were really interesting but they weren't given anything like enough time to develop. I'd love to see this kind of story given room to breathe but within the confines of the half dozen paragraphs of text and handful of choices it felt to me overly ambitious. Also while I like the concept of a branching narrative Ophelia came across as way too submissive as a result of it. Understandably so perhaps given her background but it was just taken as read she should be that way.
Fittingly I feel like Ophelia's story had some great bones, it just needed fleshing out more. Not better, just more. Maybe that's just greedy of me.