I'm actually surprised by how much discretion general practitioners seem to have in what to check during an annual physical… including whether any clothes come off.
After the clinic I'd been going to for years closed down, I was assigned a doctor in his mid-thirties, at the new place. His “physicals” have mostly consisted of asking questions, and even only involved auscultation if I had a nagging cough or something.
This went on for so long that I had concluded that it must be standard practice now for doctors to leave the patient clothed. I was surprised when a substitute doctor (much older) started my exam last time by saying, “Take off your clothes.”
In answer to my asking, “Everything?,” he said, “You can keep your underwear on, for now.”
I was surprised again when he followed up palpating my lower abdomen by scooping his hand inside my boxers and cupping my penis and balls, then stretching my penis inside the fabric, stroking and twisting it briefly, and palpating and rolling my scrotum. That hadn't happened in years.
I shouldn't have been surprised when he asked me to stand facing the exam table, pulled down my boxers, put on gloves, and picked up some K-Y to start a rectal exam.
Driving home with a slightly sore rectum, I was most surprised by my own passivity of years running. Why hadn't I insisted that my younger doctor do those things all along? This more invasive exam hadn't detected any problems, but that was luck, not prudence.
If my next doctor, where I'm moving, is similarly prudish / squeamish, I'll find one who isn't disinclined to open the patients' clothes… and actually do an examination.