Being naked in a dream and feeling comfortable about it can have to do with wanting to be yourself, to be honest about what you want and who you are. It can also have to do with wanting to regain the freedom and lack of responsiblity that you had when you were very young.
It's interesting that your husband is the one who points out that you are not appropriately dressed, which makes you feel ashamed.
Do you feel that he stifles you or that you sometimes can't be yourself when you are with him, or that after you got married you lost part of your true self or you've taken on too many responsibilities?