[2021] why would you?

Originally posted by Teresa: If you read the letter that is on your toolbar when you load into a new world, it is from the Duke letting you know you pissed him off and he had his men rob, strip, and dump you.

This. The story is that you pissed off the Duke of Navezgane, and he had his men knock ya for a loop and leave you for dead to the zombies. Only, You woke up before the zombies found you and now have the chance to survive and likely eventually get 'revenge' on the duke for what he did. Of this story, only small clues are in the game currently, like the note mentioned by Teresa.

So yes, Logically, You would have had clothes, weapons, etc. And also logically, You got yourself robbed. :P