Being naked is pretty natural for me. My husband and I live alone, so walking around naked is easy.
During a (sexual) play (enema) exam, if I remove my clothes and put on a gown, it is okay. The doctor can reveal body parts as needed to manipulate inappropriately.
But to start, I do sometimes really like to be partially clothed. For anal temperature taking, having my pants and panties brought down just to mid thigh that's kind of dirty. Half clothed, just your butt exposed, bent over.
For initial breast exam, bra left on but lifted over or pulled under your breasts.
I think it reminds me of my youth, when the boys would try to “cop a feel”. You were fully clothed, maybe kissing, and they would try to touch your breast/nipple and your clit…maybe try to finger you…
Those early days of sexual discovery. Trying to sneak a forbidden touch. That heady, naughty time in my life.