I would have to agree with both of you. Something about knowing your clothes are eventually going to be systematically taken off heighten's the experience. I also agree that having putting their hands up underneath a loose t-shirt tickling underneath is fun too! Fun little games that can be...
Depends on the occasion.
If it’s a sexual encounter then you know how that goes. But just a tickling session maybe a tighter tank top and panties, or even a bikini works out well.