I agree with Oakleaf and GLC.

What I've seen is that most people will pull on panties with the towel on, and then sort of face the wall until the bra is on. After that - no worries. I'm sure it varies from location to location (and I'm sure I've offended some people because I do try not to be in your face - but I get dressed comfortably). The walk from shower to locker with no clothing or towel on would be odd, I think.