Some women reach the age of sexual matuity later, TM875. I just have to say that, because it peeves me that some guys just expect girls at a particular age to rip off their pants and yell something along the lines of "Touch me!"
First sexual expirences it can be a little strange for a girl. Espeically one that's shy. Now I'm not saying that it's the root of the problem here, but it could be something along those lines. Maybe she's not totally comfortable with herself naked - thus the panties. Maybe she's not totally comfortable with someone else seeing her naked - thus the panties. There's tons of reasons she could be doing what she's doing.
As far as clean up, do as the others suggest and keep a towel, shirt or something near by.
But do figure out what's going on with your girlfriend, have a heart to heart talk about where this relationship is going sexually and otherwise.
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Horses come and go, but some leave permanent hoof prints on your life.
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