I think physicals nowadays are not through at all.
I just saw a female doctor for a physical for work that is required.
I was in my underwear and gown, and gown was never taken off, and she performed the stethoscope exam over the gown.
For genital exam, she didn't even push into the groin for hernia check, and just briefly touched the testicle and checked for cancer. It seems like she just didn't want anything to do with it. I had several other female doctors, and all of them were just not caring at all.
I miss the days when I was wrestling and the female doctor was actually caring enough that I was stripped for the entire exam. You could look at that from a fetish standpoint, but now that I think about it, it was good to know that she actually cared and was thorough.
Is it not common to be stripped to the bare (or even just underwear without gown) for the physical exam? I think doctors are so afraid of lawsuits nowadays that such practice has gone away both from both normal grown-up physical to a youth physical.