We might be unclothed in this world but it is a bigger rachmunus (pity) to be naked in the World to Come. There is no one as naked as someone who has no mitzvahs. Only if we have a connection with a tzaddik can that same tzaddik help us in the Next World. Fortunate is the Jew who can "eat" a few chapters of Mishnayos and can "wash them down" with a few tehillim and then "clothe" their self with a few mitzvahs. Ikar (main) neshama is after its journey in this world when it returns to the eternal world. Incredible story of Satmar Rebbe in Bergen Belsen and the holy beggar's tefillin.