Erogenous Zones?

I have an issue with foreplay. All those erogenous zones everyone talks about do absolutely nothing for me. Touch or kiss my breasts... nothing. No tingle. Same with my neck, stomach, thighs, labia, etc. What's weird is that they seem to go dead once I take my clothes off. I don't have body image issues, and it's the same lights on or off. And I don't like having clothes on during. I can be totally aroused but when the time comes to get down to business any chance of pleasure is killed for some reason. I become unreceptive to any sort of touch. Anyone experience this or know how to deal with it?