"WE hold these Truths to be self-evident, that ALL MEN, are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are LIFE, LIBERTY, and the pursuit of HAPPINESS."
I'm usually naked too. Firstly it feels good and more sexy to be naked and secondly it avoids getting cum on clothes.
On the few occasions I am not naked I've usually just pulled it out from the fly or just opened up my trousers a bit and therefore I might be standing.
This last winter though, there were a couple of nights it seemed a bit cold naked so I wore a onesy (sp?) to sleep in. This has a zip all the way down the front from neck to crotch which works out well for j/o. Instead of pulling it up or off ,like a t-shirt to get it out of the way of the cum, I was able to part it sideways to leave my chest/belly clear.