A question on the existence of ghosts or lack thereof?

It's what the soul sees itself in. When you close your eyes and picture yourself, i very much doubt you'd be naked. However the "ghost" appears is how they're expecting to be seen, like themselves. And in fact a greater number of ghosts don't even have a body to be seen, they make themselves felt or heard, or simply appear as a shadow of sorts. The clothing is not a corporeal thing, it's the same as the ghost, which is why when some ghosts are seen their "clothes are translucent. Ive heard reports of Ghosts appearing to be like any other person, to look like they have a physical body, i have yet to experience that for myself, but i keep an open mind.