This has been a really fascinating thread. Thank you! I forgot to mention that we have a common shower room at work, with four shower stalls. They're built with side walls, but no curtain. So whenever I ride my bike to work I'm showering and dressing in front of some co-worker or boss I may or may not know. That makes it that much more of a habit. But I agree with the person who said that one feels more self-conscious in front of people you know than in front of strangers. We even had a tiny sauna at work before, shared by men and women. There I would always wear a towel, at least around my middle, but I met both guys wearing nothing , and guys intensely uncomfortable at my very presence there... (And every now and then some of us girls would invite a guy friend or two, bring fruit punch and serve "topless drinks" in there )

When it comes to what level of modesty is "right", well, obviously it's a personal question and depends on the surroundings. I'm happy that I don't have to fuss more with a towel than I need to for practical reasons. On the other hand I would feel very uncomfortable if I were expected to be less modest than I naturally feel like, like enforced nudity in that sauna for example.

And in the rest of society nudity isn't particularly acceptable, I mean most of us wouldn't strip down not even to underwear on a hot day at home or in the garden, no matter if we were only hanging out with female friends. So I guess accepted nudity at a common shower facility is the exception, not the rule. Sure, bare skin is natural, but we have been taught since we were tiny to keep our clothes on in public, and that sticks too. To each their own.