In the dictionary,
naked [more naked; most naked] : not wearing any clothes : not covered by clothing
a naked [=nude] man
the naked human body
her naked [=(more commonly) bare] shoulders
He was naked from the waist up.
The prisoners were stripped naked. [=all of their clothes were taken off]
She was half naked [=partly dressed] when the doorbell rang.
He's stark naked. [=he's completely naked]
So, if a girl has no clothes whatsoever on, we can say "she is naked"
What if she has no clothes from her waist all the way up to her neck but still has clothes from the waist down to the feet? How to express in that situation?
or she has no clothes from her waist all the way down to the feet but still has clothes from the waist up to her neck?
or she is wearing a dress or skirt but wearing no pants or underwear?
She can say "she is half-naked" but that is not so clear.
How to express "naked" in different situations?