I like playful games with full clothing, but will sneak under the covers. There's huge payload of intimacy - feelings of innocence and protection, self-reliance, coming from clothes, confront sharp vivid alarm calls from fingers nibbling the bare skin... m-m-m-m...
Or the whole game - playfully through the clothes to start, then occassionally coming under it, gradually restricting lee, part by part, binding her, chaining to the place, slooooowly teasingly removing all remaining clothes...
Tickling in nude with bondage may so be the final accord.
But alone, by itself - its like making sex versus making love. Just "come, take me & move on".