The efforts that I see of women to NOT be naked in the locker room just astound me. The difficulty of completely undressing and putting on workout clothes, and then after the workout reversing it, all with a carefully draped towel.... so that you never show boobs, or butt, or a little pubic hair...astounding. I think it's ridiculous.

So yeah, Americans are way too uptight about this stuff. It's funny, I can go 100 miles away into Canada, to the hot springs, and it's amazing the cultural difference over an imaginary line.

As for major embarrassment if you ever come to the states, not to worry. There are always some who just do whatever they do.