Okay, so here’s the stupid-dumb thing about my answer to this question....
Years ago, I had a PCP who my husband said straddled the line of inappropriateness as far as things that you should say while examining between an unclothed, unstirruped woman’s legs. He made a case, saying somesuch everytime I had an appointment and liked to point out that the doc would examine me head to toe, inside and out even if I was just there for a sniffle, etc. And he did mention during a pelvic exam once that “my my, it seems we have had a flurry of activity down here,” making reference to my wetness.
So I stopped going to him.
And 75% of the time the fantasy/medfet images in my head involve returning to his office....
The other 25%, the male physician who is examining me will take on the face and demeanor of someone who may have recently caught my eye.
For example, a consulting dietician walked into my office today, covering for our regular dietician while she is out on vacay. I met him for the first time. He is older than I, fairly good looking, immediately shared some great personality toward my assistant and me (and made the young social worker blush), had just the right twinkle in his eye, and had a curious tattoo on his inner forearm that I asked him about. His delivery of explanation made ME blush. So I just smiled and enjoyed the clinical updates on my face and inwardly - IMMEDIATELY - put HIS face into the fantasy doc examining me in my head....
Interesting: at one point he came back into the office and said “do I know you? I feel like we have met one another?” And because my mind was already there, in the moment - and probably incorrectly, I am sure - I of course felt like (imagined? I dunno, but even if it was all in my head, it made my afternoon pretty decent) he was hitting on me. That doesn’t happen much, so I felt a bit lighter after that. And I kinda hope it was true partly because then maybe I DID look as good as I felt today, but also too because otherwise I would feel like an ass for having presumed.
As for the doctor’s behaviors during a scene, I would like it to feel as clinical as possible, but more invasive, more... opening... and more thorough than an actual exam. Procedures which do not typically take place in an annual physical take place. Maybe for my own good some light restraint is necessary. Size capacity training (vaginal fisting, for example). Urine sample via straight catheterization. Genital sensorineural stimulation and reaction testing. Etc.
I do not want to be disciplined or humiliated during such a session, and I would prefer it to feel more clinical in nature than like a bedroom scene.... though I am not discounting the possibility of enjoying the process after the initial shock of gee-this-is-really-happening (especially since it is pretty unlikely).
And I have also envisioned a very different follow-up exam that DOES involve enduring more pain and cross the line to the more disciplinary type procedure (clamps, spanking/ flogging, enema series, etc.).