from an Islamic point of view, almost all scholars agree that couple can be fully naked during sex.
Also, you have to understand that if you cannot even get naked during sex, then you do not enjoy it fully. And the purpose of sex is to fulfill the sexual desires of each other in every possible way. That's why Allah says in the Quran:
"Your wives are as a tilth unto you; so approach your tilth when or
how ye will; but do some good act for your souls beforehand; and fear
Allah. And know that ye are to meet Him (in the Hereafter), and give
(these) good tidings to those who believe." (Al-Quran 2:223)
And the wisdom behind this verse is that the purpose of sex is to develop intimacy and fully release your sexual stress, so that you feel no need for it for some time.
My 3rd point is that everything is permitted in Islam, Unless it is Explicitly prohibited. But as there is Nothing related to prohibition of this act, so its fine to be naked during sex.
It's my personal advice that don't try to put any un-necessary restrictions during sexual acts. The more restrictions you put, more difficult it will get for both of you to enjoy the sex. The end result would be that none of you will get the proper pleasure.
For a detailed scholarly view, please refer to: http://islamqa.info/en/45514
And Allah knows best.