Final answer:
The claim that naive B cells express both IgE and IgG is false; they predominantly express IgM and sometimes IgD as their surface receptors.
Step-by-step explanation:
The statement that naive B cells express exclusively and simultaneously IgE and IgG at their surface is false. Naive B cells typically express IgM and sometimes IgD on their surface. These molecules serve as the B cell receptor (BCR) which is involved in antigen recognition and the initial stages of B cell activation. When activated, B cells can differentiate into plasma cells that secrete different types of immunoglobulins, including IgE and IgG, but this secretion is a downstream effect of activation and differentiation, not a characteristic of naive B cells.