"If you say so." Zack's jokes are not great, they're as corny as he is, but Cloud likes them anyway.

Anything else he might have said gets derailed by the fact that he finds himself watching Zack pull his pants off and then turn to face him wearing what amounts to basically nothing. Under other circumstances, he might have stammered an excuse and turned right back around, but between the chill that's got gooseflesh rising all up and down his arms and the influence of the fish pushing him to consider things he'd otherwise be too cautious to try, he moves close to Zack instead, swallowing his nervousness as best he can.

"...yeah. Not a fan." He's still hugging himself in a futile attempt to keep warm, but he's close enough now to be in easy arm's reach for Zack.