(Not sure if NSFW)

I notice when I sleep in bed next to my partner at night, it seems like skin to skin is far more sweltering than the barrier of clothes. (Granted he's on the larger side and naturally generates a lot of body heat) I wondered if this would also apply if say, you're in a blizzard but you might survive if you could tunnel your way into a haystack.

You find another stranger in there struggling for warmth. Should you both strip down, cuddle and use your clothes as blankets to further insulate your body heat, or would it be best for just hug already bundled up in winter wares? (I guess having the clothes in addition to skin to skin is cheating but if you're hugging someone else even without a blanket over the two of you, I feel like maybe the heat you both generate would still help you live.)

And please no funny answers about how you'd never get nude with a stranger lol just based on survival what would be the more sound approach in this case?