I like both. I love being naked, but I also love jocks and underwear. Back in my 20s when I was starting to get an idea about kinks (but was still pretty vanilla, though a slut) I had seen a porn video where a sexy boy was getting fucked while wearing his tighty whities. The top had ripped them open and left them on him. I found this SOOOO hot.
One night a guy picked me up (I was about 24) and we went back to his place and I asked him to do let me fuck him while he was wearing his underwear. He didn't want me to rip his, so I said...."wear mine." It was so fucking hot fucking him while he was wearing MY torn Jockey tighty whities. And I got to take them home with me since they were mine. The proverbial win/win! Wish I still had those jockey shorts!