J.K.
I know exactly what you are talking about. My oldest (son) was the same why... he had to be naked waist down for along time. He knew he couldn't potty on floor or furniture or he would be in trouble but going in his clothes was ok he thought. It was a very long process. But it was over the summer and we lived in Georgia at the time so the weather was not an issue.
I used regular underwear with him with those plastic covers that went over them. That way he could feel wet but not make a mess. They do not absorb like a pull up but keep wetness inside so less mess for you.
It was along time ago (He will be 11 end of month) so details are fuzzy but eventually he got it. We started potty trainind right after his birthday in Feb (the naked thing didn't start until warm weather) and was completely done before we moved back to Ohio in September.
With the girls I put them in the undies with those covers just in case and set a time to take them potty very often throughout the day. With all kinds of fun and different rewards when they were sucessful. I didn't wait until they told me they had to go until they started just going on their own before the timer went off. Once I got a good idea about how often they really needed to go the timer got longer and longer apart to see what they would do.
Hope this helps :)