It's the "OMG I'm naked I'm going to die of embarrassment!" reaction as opposed to "Shrug - okay, where did my clothes go?" one. It's the "I change behind a towel" mentality verses the "I can have a conversation while in the changing room and not care that both of us are nude" attitude. I agree that Presence can be used to hide the fact that you are embarrassed but total nudity doesn't freak you in any way then why would you need to roll?
I think we can agree that, all things being equal, this maneuver will discomfit and inconvenience a given mortal target. Regardless of religious affiliation or whether they think nudity is sinful. Nudity is, if nothing else, vulnerability and exposure.
We can list exceptions for days. If a given player's group and GM are perfectly aware why such a maneuver wouldn't impact the character that much, it makes sense, and heck, the GM would probably be tagging it for a +2, or just not doing it.
What we don't want to encourage is a lot of backstory backfill in which people retroactively give themselves hippie nudist Maasai South-of-France backgrounds to protect against this one thing. And someone who wouldn't be put out in any way by their clothes suddenly disappearing is *going* to have *some* Aspect about how unflappable, world-savvy, and incredibly cool they are.