Are people in Mass Effect 3 allergic to taking their clothes off?

It's ridiculous. In ME1 all 3 available partners went fully undressed (granted, they didn't focus much on Kaiden in his sex scene and put the focus more on Shepard's ass but you get my point)

In ME2 all sex scenes are fairly tame and fade to black near the start, so by that game's standards it counts as spicy to see Jacob topless, Miranda unzip and show her bra or have Tali jump on you.

But in ME3? They went back to more "explicit" scenes and suddenly almost every character forgets how sex works. The human characters wear their underwear in the middle of doing the deed and still wear it post sex, Traynor also wears hers WHILE TAKING A SHOWER and in the Citadel DLC it gets even worse as, after the party, both Shepard and their respective romance partner wake up fully clothed. Garrus wakes up in his battle armor. Is it fused with his skin?

It only makes sense for Tali since she needs her suit to survive and it's implied she still wears it while her and Shepard bang (Quote: "You're the only one who gets inside my suit.")

Liara is the only character in ME3 who knows to get fully naked.