WH is correct in saying this would be a question for professionals. However, I would guess that time/place/situation would have a lot to do with it.
For example:
People who live on the equator are naturally going to wear less clothing while people in Canada are probably going to wear more - and thus the standards of what is too little clothing are going to be different. This has everything to do with adapting and molding to the environment around us.
Indigenous people who live away from civilization and don’t have factories that produce clothes, and on top of that live somewhere hot, are probably going to wear the least amount.
Where I used to live in Rio, a city where it’s summer all year round and the beaches are almost walking distance away from everyone, going to to beach is like the cultural hang out spot for everyone. I remember when I used to live there my mom took me and my little brother to the beach every single morning… And this was basically the norm. Being around water and sunshine so much, naturally will have people wearing less clothing than someone who lives in the midwestern USA, for example. Thus standards form from there.
A little bit of everything is contributory - where you are, what you do, what the climate is like, etc etc.