Curiously, ghosts are rarely if ever seen in the nude. They appear fully clothed, and may even change clothing on subsequent appearances. They may change their form, to appear as they looked at different stages of their lives. Unless someone out there knows of an extoplasmic department store on the spiritual plane, we have to wonder, "Where do the clothes and accessories come from?
Loyd Auerbach (2005). “Hauntings and Poltergeists: A Ghost Hunter's Guide”, p.77, Ronin Publishing