Bra and panties an option for a physical?

On a gay chat line a straight guy claiming to be a 36 year old Dr in LA hit me up. He says his male patients are normally asked to undress to underwear. No gowns. They are given rectal exams starting at 30. He says young women are given a choice of a gown or just bra and panties. Only 20 percent choose no gown. Says rectal exams are not done on women. I thought California would be strict about medical modesty. Does it seem believable that a Dr would examine women with no gown? The fact that he admitted not doing rectal exams I would think means he was not exaggerating just to turn me on. If he was honest about that then wasn't he probably honest about giving women an option? Have any women on here been examined in just bra and panties? It was that way with pediatricians until the 2000s from what me and my sister went through but i didn't think that happens to adult women in USA. I have also had phone chats with young women who have said they get gowns but doc takes gown off during the exam or as soon as he walks in. Would like honest narrative here on this. Z

... Does it seem believable that a Dr would examine women with no gown? ...

I find it hard to believe a straight 36 y.o. doctor would be on a gay chat line.

My partner is always examined in a gown.

I think the "doctor" you chatted with was in Fantasyland.

As a male under 30 years old, I can't speak from experiencing regarding female exams and exams on males over 30. However, I doubt females would be given the option to undress to panties and bra with no gown and I doubt males as young as 30 would receive rectal exams without preexisting conditions or a real concern.