I didn't realize this was a sensory issue, but we've dealt with/continue to deal with this at our house too. My dd5 used to have the same problem with clothes getting wet. Now, she will take her clothes off at the drop of a hat at home (not in public anymore, thank goodness) and just wear underpants. We've always had the underwear rule (started as a diaper rule) in our house. As long as it's just family, dd doesn't have to wear clothes. If anybody else comes along, she has to put something on. In her defense, tags sometimes cause irritation on her back that leads to excema, so I know her tag issues are legitimate too.
Oh, and I keep spare clothes in the car for both her and DS8.