My most detailed/intense fantasy is a semi-realistic setting but I'm the gullible patient who listens to the doctor who can explain away anything, whether it's a legitimate test/exam or not.
I go to the doctor for something super minor and maybe it's determined by a prior blood test that I'm pregnant (another separate fantasy) so, oh no! I'm going to need an extra thorough exam. The doctor tells me to remove all my clothing before the exam begins -- for brevity, obviously, because it's already going to take a while. Maybe there's a PA or med student too (I love getting naked for "strange men").
He measures my breasts, waist, and hips, with emphasis on my areolas, nipples, and distance between nipples since that will be changing throughout pregnancy. When measurements are complete he has me lay down in the stirrups and takes my temperature vaginally -- obviously necessary too, maybe it's more accurate -- and then measures my labia and vagina also. For record purposes, he takes pictures of my bare breasts and spread vagina.
Stething and examination of my breasts and nipples will be thorough to make sure I'll be able to breastfeed. I'm sure a good "bad" play doc could find a good reason to place the steth over my nipples for a while. Since I'm a new patient and pregnant, he goes ahead and does a breast, abdominal, and vaginal ultrasound.
He moves onto the vaginal exam, examining my labia and clitoris in depth with gloved hands before inserting a speculum, at which point more pictures are taken.
Finally, a sexual function and sensitivity test must be performed to make sure my body still has appropriate reaction to stimuli, which will be provided manually -- in a professional manner, of course! -- electrically with a vibrator, and nipples will also be checked for response at this stage too. I imagine doc will have his hands busy between my legs while his PA or med student steths me until I reach orgasm.
Ideally doc explains everything to me not necessarily caringly, but almost condescendingly. "Of course you have to be naked for the exam -- how am I supposed to take your temperature vaginally and examine your breasts at the same time with a bunch of fabric in the way?"
Anyone else have a "gullible patient" fantasy, whether you're the patient or the doctor?