It usually doesnt seem to happen with providers, but has happened with a friend with benefits i had unfortunately too long ago: beginning a sexual interlude with passionate kissing and clothes still on while hands begin to explore over the clothes and slowly peel off the layers and continuing the passionate kissing and petting. This seems for me at least to make the skin touching skin to be even more electrifying than otherwise direct contact.
Tho I must admit to a very recent experience where the provider met me with the appearance of being fully clothed and we began the intense kissing right at the door where I was sooooo delighted to feel thru her dress the fact that she had nothing on underneath - reaching in after a while of petting thru her dress to the delicious feel of my fingers on her naked breasts was an absolutely wonderful feeling that was far more sensuous that it would have been meeting me at the door nude - followed by slowly unbuttoning her dress to expose her lovely breasts and fondle them while we continued french kissing was nothing short of spectacular. even more wonderfully, it continued with increasing intensity from there (it was "uphill from there" as it were
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