I think the idea of taking a victim while both people are fully clothed is hot. It makes me think of his urgency to fuck her, or simply taking advantage of a quick and dirty situation. It's also a good thing for humiliation, as once she has been thoroughly used, with cum dripping from her hole, or splattered on her clothing, there is very little she can do to hide it.
I love to see a scene where her skirt is shoved up over her ass, pantyhose ripped, panties shoved aside while his trousers are simply unxipped, cock buried deep as he fucks her relentlessly. Perhaps one hand pulls her top open, revealing a lacy bra...mmmm!