One of the purposes of prayer is to thank and acknowledge G-d as the source or "wellspring" of everything. As a matter of fact, the word בְרָכָה(blessing) is related to the word בְרֵכָה meaning "spring". See this article for this and more explanations.
The phrasing in most birkot hashachar uses a verb such as מלביש ערומים - "clothing the naked". While it is true that מלביש is the 3rd person form of the verb לבש, it is also common in Hebrew that such verb forms are used as nouns or gerunds meaning "the one who clothes the naked."
Thus, when reciting such blessings, don't focus on the format of the verb being 3rd person, not is it meant to be personal, either, in these cases. But, rather, focus that G-d is the source of this gift for all mankind, in a general term.
What I'm pointing out is that there are multiple aspects to prayer other than viewing things from a personal stance.
If you really want to make it "personal", using the example, above, imagine a world where everyone roamed around naked because G-d never thought of clothing. (Yes, that did happen in the Garden of Eden, and we saw how "well" that idea worked out.) I won't delve into your own thoughts about whether you would or wouldn't mind seeing others nude, but, I think you'd agree that eventually, you would get cold, at the least.