The clothes would be left behind. And doing so prevents people from killing themselves to move an item or smuggle an illicit object to the checkpoint.
Have you never played a game that has a checkpoint system?
There *are* games where you lose your gear when you die and you have to reclaim after you respawn. It's not a completely alien concept.
ok, except you didn't say "gear" you said clothes. It's already been established that when you make it past the checkpoint, whatever you gain, item wise afterwards is lost when you return to the checkpoint.
So name me one game where after you get past the checkpoint and die your character goes back to the checkpoint naked. And yes, I mean visually.