Nah I never lie down when greeting the girl, just feel like it is very impolite to do that. Also, going butt naked from the get go could backfire badly.

For new MLs, I leave all my clothes on because I want the girl to see what I look like under normal circumstances. With regulars I only keep my top and undies on. Greet them with a hug, which could sometimes lead to heavy petting if she's a regular or if there was chemistry from the start.