In many countries and especially in the North America it is typical that you are given a gown during a physical exam. You are usually asked to undress all clothes underneath it and before wearing a gown, literally, you are naked.
In Europe gowns are not used in many countries. For example in the country where I live, gowns are only used for surgical exams. They are not used for a regular physical exam.
My question is, do you consider that you are naked even if you are wearing a gown the whole time. In this situation is it right to say that you are really naked. And if you had a chance to choose, would you rather be examined by wearing a gown and being naked underneath it or in your underwear without any gown.