I, also, am of a slightly older generation (High school in the '70s, Navy, sometimes attached to the Marine Corps throughout the '80s) and you soon learn that modesty is a luxury, and privacy is virtually non-existent.
Now, I'm no "gym rat" but I have belonged to the Y and a couple of other gyms over the years. Nudity in the locker/shower/sauna/steam room is just a given. Personally, I feel quite comfortable naked and don't hurry when in a locker room situation.
That said, I never really paid much attention to those around me. Some dress quickly, some always have a towel wrapped around their middle, and some take their time showering and dressing. Whatever floats your boat. You do your thing, and I'll do mine and all is good.
As for eroticism, perhaps it is me, but I never noticed any sort of erotic or sexual situations going on. If it happens, it was out of my sight. I have never been propositioned or anything of that nature, (I'm both married and straight) and if I had been oogled (Unlikely. As I said, I'm no gym rat or anything) I never noticed. Don't know exactly what I would do if a guy hit on me, but probably just politely tell him I'm not interested.