You can't build a naked character that can jump into a group of enemies and do anything else besides going down instantly. It's just not possible. No IF amount will protect you, if you are naked. I have 92 HP and still die pretty fast in mail armor (4 - 5 hits).
If you really want to be naked, I recommend AGI of at least 24, in combination with ATH 8, so that you can actually do something else besides looking at grass roots.
