You could go either way--I wear no panties with my garter belts, even when I'm not planning on getting busy, because it feels kind of naughty, which is hot. I'll tell him about it later, about all the places I went and all the things I did in my sexy stockings and garters, and how all it would take was one slip of the skirt to reveal myself to unsuspecting passersby. I get punished for being so slutty...which is of course the point.