Ambushes would imply random encounters, which is specifically against Larian design philosophy when it comes to combat, so random encounters in general (in the traditional sense, one could argue some current encounters feel random in how enemies jump you if you don't pre-emptively know of their existence). So getting undressed with certain armor types would just create a tedium of re-equipping it after a long rest and generate a point of annoyance. It could be automated, but ultimately ends up null and void.
It could narratively be introduced an ambush like a camp event, but then Larian may choose to infer those rules for that particular moment, which sure could be a fun little challenge. However the rest of it is best left implied to happen outside of the player's tedium.
