In one strip of Red and Rover, Red put a sweater on his dog Rover, who walks and acts like a regular dog. Rover looked down at his unclothed back half and mused that he felt more naked with the sweater on than with it off.
Gaylord Buzzard from Broom Hilda wears thick, horn-rimmed glasses, spats and (sometimes) a fez for reading.
Over the Hedge plays with this trope. Verne's shell does act as clothes for him, leaving him without it either naked to be confronted by the Publishers Clearing House Prize Patrol or to take part in a limbo contest (for example), or with tighty-whitey undershorts. That does not, however, preclude his wearing clothes over it, usually full suits that include pants, shirt, and shoes. RJ's fur is more of an all-purpose covering, although he also wears clothes over it, most notably a parka when preparing for winter and a pair of undies and a robe when getting ready for a nude scene.
Megan the shark of Sherman's Lagoon wears only a necklace, while her husband wears nothing. Lampshaded and parodied when a series where her necklace was stolen. She screamed about she was now naked, and the others obliged by not looking at her. Megan responded "You could at least act like you want to peek."