More like the moment the Monster catches the PC, the clothes are off and the Monster is having their fun.
Well, that happens in the game anyway. Since we have the option to make our character strip off certain clothes, it really doesn't make sense for the monster to so easily strip your character naked the moment they catch you.
It is why I feel that "Having the act as a Health bar or Armor" makes more sense, and gives us more reason to panic and run away... Or intentionally strip and let the monster have their way with our ratty... Which I don't want to happen, by the way.