Well my wife and I have been out as girls together and also as nudists/naturists. The same things annoy my wife however we present, girls playing with their long hair at the dinner table. On a girls night out, in restaurants my wife gets annoyed (too strong a word really) if I start to shy away from looking the waiter/waitress in the face or ask my wife to order, but that is just my wife trying to boost my confidence.
There is a book entitled "Where do nudists keep their hankies?" Me, I keep them in a bedside drawer, but the answer was that nudists are generally fit and healthy and don't need hankies. As for card carrying, you just need to show it to gain entry to some resorts or clubs, after which you won't need it. Of course you still need to carry cash or cards for any purchases, but there are ways and means.