Ok. Make an account, wait 2 hours, become a cop, go get naked somewhere hidden (blacksmith shop's corner, or the chiminey), wait until the server stops telling you are a criminal (Public nuditiy), then go find a good criminal, be crafty, and catch him, put him in jail and TA DA! you now can be naked with no consequence. I think the code gets stripped away or overloaded or something.
P.S. Sorry if that was hard to read