Baby bump looks good in clothes but not naked??

I’m 20 weeks and I’m not sure if it’s just me or maybe I’m being too hard on myself but I feel like my baby bump only looks like a bump in clothes.

I had a belly roll before getting pregnant but I feel like that fat now hangs under my bump a bit so it makes me just look like I have a gut when I’m out of clothes. I wish I could take a cute bump photo in my underwear (just for my self/husband) but it literally just looks like an apron belly forming rather than a baby bump.

Is anyone else feeling like their bump looks better in clothes?

In clothes I had someone we know ask if we’re expecting because it’s definitely becoming a noticeable bump but it just doesn’t look like a bump when I’m naked.