Giant Skunk Bad Stuff (Unnatural Axe)

[Koto]

The Bad Stuff says that if affects you until you get off all your clothing and armor.

What happens if you don't have any clothing or armor? No bad stuff? What happens if the only clothing/armor you got is one that you cannot equip (Only Elf, Only Warrior, etc...)? Is there bad stuff in that case or is unnaffected too?

Thanks you.

See ya