I've told my story elsewhere on the forum, but not this thread, so I am posting it here.
I was a late starter. Wore long PJ's year round as a kid. Went with short PJ's in summer as a teen, kept long for winter. After I married at 22, went with short year round but only slept nude if I fell asleep after being naked for "other activities" in bed. Didn't stop wearing a shirt until I was around 30. That was a full stop, can probably count on one hand how often I've had a shirt on in bed in the 30+ years since. Stuck with PJ bottoms for a while, but when they wore out I bought maybe one more set, then decided that I was wasting my money since I never wore the shirt and switched to boxers. Didn't start sleeping nude until I bought a house with a pool at 36 and started swimming nude just before bed and putting more clothes on to sleep seemed strange. Tried going back to boxers that fall but felt uncomfortable after 3 months of nude sleeping so I just stopped wearing anything in bed.