All three of them!

"You know what? Let's create a setting with a nice little pond, and a community gathering of random strangers, barbecue and everything. And Momo, clothe Setsuna and I, and I wish that you, Ochaco, Tooru and Tsu would forget that this was a dream, and that all the "strangers" are basically NPCs, and just think that I wished that you wouldn't get arrested or kicked out, nothing else," Izuku nodded, incorporating all three ideas into the experience they would share.

Momo grinned, and snapped her fingers, the surroundings changing as clothes appeared on Izuku and Setsuna, multiple random strangers, not real people of course, also appearing. Momo, Ochaco, Tooru, and Tsuyu blinking as their memories were rearranged. A large pond, and multiple food stands, with all sorts of barbecue foods appeared as well. "...eeep," Ochaco blushed, covering her breasts with one arm, and placing a hand between her legs, Tsuyu doing much the same. "...are you really going to be parading us around like this, Master?" she asked Izuku.

"No, you're going to parade yourselves around," Izuku chuckled. "No covering yourselves up."

"...this is a bit more daring than I was expecting from today, ribbit," Tsuyu blushed, fully convinced that they were currently in reality thanks to the wish as she moved her arms from her body, Ochaco following suit.

Momo of course, wasn't bothered in the least. "Don't sweat it girls," she smirked as she put her hands on her hips. "Master already wished for no negative consequences... Other than people thinking we're sluts..."

"Which... You kind of are for him," Setsuna sniggered.

"She's got us there," Tooru nodded, blushing faintly, but far less embarrassed about the situation than Tsuyu and Ochaco. And of course... All four were quite turned on. "So... You want us to mingle, have a good time, and act natural about being naked?"

"Yes, yes I do," Izuku nodded, smiling. "If it gets to much for any of you, just find Momo and have her clothe you. But anyone who gets through the whole day naked gets a reward."

The four nodded, determined as they dispersed. "Best. Boyfriend. Ever," Setsuna sniggered, taking Izuku's hand and leading him to one of the picnic tables. "This really is like virtual reality. So much potential."

"I owe you big time for this idea," Izuku noted.