What is the ruling if a person's only garment is completely impure (Najis), and the clean portion is less than one-fourth (1/4th) of the fabric?

Rulings on Impurity on Clothing and Missing Coverings

• They must pray naked and are forbidden from wearing the impure garment.
• They have the choice to wear the impure garment or pray naked, but wearing the impure garment is superior.
• They must perform Tayammum on the garment first.
• They must skip the prayer and make it up later.