I switched to non-nude, and luckily I did so after I had a decent fanbase already established.* It is drastically more difficult to make the same amount of money, and get the same amount of people in your room, when you're non-nude. I used to get bored/annoyed/pissed off, and I could just pose with a flattering angle of my butt (or whatever) while my face was off-cam so that I could roll my eyes, sigh, make faces, whatever to relieve that emotion while the viewers couldn't see. Now that I'm non-nude, it's so much more of a struggle because I can't be "off-cam" for long, because they get bored. So I have to contain all of my frustration. I used to be able to put on sexy makeup, do my hair prettily, and get on cam. And even if I was not feeling super bubbly, I could still make my goals. Now, however, if I'm feeling sad/angry/tired at all, they can tell and my earnings reflect that.
That being said, I *love* being non-nude. I have so much more self-confidence now, because I know the regulars are there for my BRAINS and not just my ass. There's also a substantial decrease in the "open bobs, bb" type now. However, camming has gotten more stressing and emotionally-exhausting because of A) all the extra hours I've had to put in to make the same $ I was making before and B) I can't "turn off." I have to always be the most interesting, exciting model possible because at any given time your next big tipper could find the room. And most guys don't stick around long if you're clothed. Unless you're doing/talking about something that is so out of the ordinary that it makes them pause and wonder, "What's going on here?"
You can make good money being non-nude. Some (few, but it happens) of the top models are non-nude, and they are living very comfortably. However, it is going to be extremely hard to start out (with no fanbase) as non-nude and "make it." So, if you want to keep camming, discuss with your boyfriend what his boundaries are. Maybe he'd be ok if you just kept underwear on. You could be a tease model who doesn't get fully naked (watch Tesla or Kickaz for examples). You can definitely make camming a real job regardless of your state of undress, you just have to put forth the effort and hours.
*This is my experience with the switch and everything that came after, although it might be different for another girl.