Do guys look at women in lust more when they are clothed or naked?

I have been talking to my mom. When I talk to her I ask her to give me an actual explanation what is wrong with nudity. She has yet to do so.

One of the things she said was that guys will look at you in lust. My husbands response to that was that guys look at girls in lust clothed or not. My dad said that most guys look at girls in lust more when they have something like a bikini on than naked ?

What do you guys think ?