It varies with me. Sometimes I'm completely naked, sometimes I have a shirt on, sometimes I just undo my pants. Depends on where I am, how much time I have, what I feel like doing.
If I lay down, then it may take longer, but it may be more intense. If I'm kneeling or bending backwards it can be different, too. If I'm standing, I can stress my legs to bring the orgasm on faster. Just like with a partner, the positions add something to it. Also, whether I'm using toys may make a difference to positions.
State of dress can make a difference, too. It may depend on the situation. If I'm in the shower or swimming, then I'm nude. If I'm outdoors, or in a less than private place, like a store dressing room, or I'm in a hurry, then I may be fully clothed and just open my pants. I love to have on just an open shirt, too. Sometimes I'm just wearing socks, which is a kink of mine since I was a kid.
When I was in the hospital, recently, I went into a private bathroom wearing only a hospital gown, and just lifted the gown and stroked while looking at myself in the mirror.