I understand your issue with that scene but I still think a toggle would be best. That way everyone should be happy, those who want immersive cut scenes and those who want immersive camping in an unsecured location. Maybe I play too much of survival games and have very cautious characters in DnD, but I would happily give up one bite scene (if I even let him do that) and sex scenes (that I will mostly skip) to have something that makes sense the majority of the time. If they end up adding the Xanathar's rule then I will take the penalty or switch to light armour to sleep in.
I do wonder if for the bite and the sex scenes that removing the armour could be a part of them, or cut to the undressed part. Dream scenes also should be part of the toggle option, of course I think any forced "romantic" stuff in these will probably be unarmoured whether we want to be or not.
