I think that these dreams are about you unconsciously noticing that something is wrong in your life and they are a warning that something bad is going to happen if the problem isn't fixed.
It's interesting that you are never the one who gets hurt.
Do you feel like you always have to protect other people and be the one who is responsible for them? That makes sense as you work with children, but do you feel like there are adults in your life that you take too much responsibility for, too?
Changing your clothes could have to do with the roles that you play in life.
Being naked and not caring about it at first could have to do with you just wanting to go back to your childhood when you had no responsibilities and other people looked after you.