I only remembered this now. I've been dreaming about this for a long time. and I did it. although I tested it for half a day and couldn’t figure out which tag would activate it and it didn’t work until i find stupidest activation tag - undressing. but it turned out to be even simpler than I thought. Briefly speaking
dont rename or trigger tag dont work

dont forget give tags for dress you want - "maid dress" for example

Tag for nude version - (open_dress:1.0), (Undressing:1.1), Nipples, (Pussy:1.1), (navel:1.0), Nsfw
tag for underwear version - (open_dress:1.0), (Undressing:1.1), bra, panties

strength 0.6+ or more