That nudity is natural is not that important in this context. Real world primitive tribal people (a la Conan style) usually don't go naked, although some do/did. They often show a naked torso and even more often naked legs and often go barefoot. Because they usually arrange their clothing according to the climate and it's needs. So that the "naked savage" (usually a loincloth or something similar is worn) seems to be the much more intelligent person than the "civilised people" who often stick to their culturally/religiously imposed full body clothing even in hot climates.
The world of Conan is oriented more to antiquity of the Iron Age, back to the Late Bronze Age, although their are also medieval influences. Conan wears what is needed. He appears just in a loincloth or wears full clothing in the cold. He uses armor and shields if necessary or available and often a helmet saved his life. Sometimes he fights totally unarmored. I bet that Howard based Conan partly on the classical barbarians and partly of the NA natives.
I find the Sword Coast late medieval setting utterly boring, for example the usual clothes or leather armor. Larian got that stuff right visually, it's just that I don't like the style of the stuff. I prefer people who show some skin, like in an ancient setting with less pants and boots, but it is as it is. If I play as Barbarian, I will use a "loincloth only" approach (currently made possible by the Basket of Equipment mod, f.e. with a Barbarian armor without pants and several kilt-like attires).
I usually install Nude mods but my char or the NPCs never go naked in my games, so such a mod is very low on my priority list. I would much prefer a mod which made different hairy and hairless skin variants available, as I don't want to play as halfelf or human with hairy torso.
