Ayurveda says not to have bath naked Or without a cloth piece on body.  The concept of this cloth wrapping is said because to sustain and enhance the temperature of water which poured on body. So that blood circulation to peripheral of body regularised. Ayurveda , science of life says the bathing water effect. Body should be washed with warm or hot water according to season which strengthen the body after bath. Always head should be washed with cold or normal water. Hot water harms hairs and all sensitive sensory organs situated in head specially and specifically eyes. A thin cotton cloth can be wrapped around middle of body. Exposing limbs. While having shower/ bath.