What’s the minimum amount of clothing that means you’re no longer considered naked?

I read about the prohibition on saying the Shema while naked and had the mental image of someone simply putting on a kippah while wearing nothing else so they’d be able to say it. I tried looking up if this would count, but I’m still learning how to navigate and search Jewish law and whatnot so couldn’t really find an answer. This isn’t a serious question, more one of those curiosities that’s going to bug me in the back of my mind if I don’t find the answer haha. Would putting on the kippah allow them to say it? What about socks? Do genitalia need to be covered and that’s all? Does a wig count as enough clothing to make someone no longer nude? A necklace? An earring? What’s the bare (ha) minimum someone can wear and technically according to Jewish law be considered not-nude? Thanks!