Only if you can see them. otherwise it would just be a way to get more enchantments.
Shouldn't be able to hold enchantments (except maybe unique ones?).
But some clothes maybe have builtin and accumulating resistance to frost constant effect (weather clothes)?
While others have builtin and accumulating boosts to personality etc (social clothes)?
the steel armour still would trap in a bit of heat, so it's still better than going barechested.
Makes me wonder how a hairy chest works with a chainmail
Medeval version of a brazilian... Oh never mind