I wouldn't wear jeans as a child because I didn't like the tight feeling against my skin. I preferred softer fabrics. So it seems we're similar there.
But I do prefer something that covers up to my high waist, so the shirt then covers down past that point and creates total coverage.
I mostly wear sweats inside so I prefer a simple pull-over with no zippers or other items in them. If I went out and a sweatshirt was not enough, I'd want to put something else on over the sweatshirt (a windbreaker) so I still had that solid smooth fabric against my skin.