Totally know what you mean. In general, I am an oversized tshirt kind of girl. If there is company to be had, I throw on a pair of shorts or pants in the winter.
I personally don't wear a er, female chest supportive device to bed. One night earlier this summer, it was super hot, the air wasn't on yet, the fan was doing nothing for me. I was sweating bullets, so I decided to go for it, and decided to sleep shirtless, and again, nothing under it. By that point, I decided, I just might as well go all in and went er, starkers.
I actually quite enjoyed it at first. But, I just couldn't sleep well, because in the back of my mind, I kept worrying...what if there is a fire? what if someone comes into my room in the middle of the night? what if I get up to go to the bathroom and someone is peeking in the window? Anyway, I think I woke up nine or ten times throughout the night, and could never get to deep sleep.