Same experiences than " Runner up" in France too.
I was given a gown at hospital, sometimes without a nurse in the room while I undressed, sometimes with a nurse watching at me undress
and I was never given a gown at a doctor's private office, and generally like it is said, the doctor did not watch at me undressing in briefs but it was depending on doctors, it could happen that a doctor was asking questions while you were undressing, so he or she was watching at you.
Nevertheless, I do not understand why it would be more embarrassing to have a doctor watching at you while you undressed than if the doctor does not look and is reading a paper ?
an other solution would be to be instructed to undress in a small cabin before entering in the exam room which was common at job exams for instance or at a medical center where a secretary told tou to go to a cabin, to undress and to wait that the doctor came to open the door opposite to the hall.
It was practical when there was several doctors and you could often decide how much you undressed if nothing was mentioned or instructed by the secretary, I remember of some medical center where it was mentioned by a paper on the wall of the cabin that you might undress completely including underwears. When there is nothing mentioned, I undress normally in briefs.
Except one time at a dermatologist center where I followed a mention in the cabin which required us to undress completely,so I stood naked when the woman doctor opened the door, she seemed surprised to see me naked, and told me while smiling that I could have kept my underwear, and that we were not at a draft examination where complete nudity was required like her husbands had related her, I replied that I had followed the mention on the wall, she said that she did not know that this mention which was put many years ago was still fixed on the wall, but when I took my brief to put it back , she said that now that I was naked, the best was to stay naked, it would be easier for her exam if I was naked since anyway she needed to inspect all my body.