Believe me, you're not doing healthcare providers any favors by refusing to disrobe since "nobody wants to see you naked." We certainly don't look at it as observation for any kind of personal pleasure, and neither should you.
I don't and never accused anyone of that...I did respond to a post that said they would be thrilled if we refused...which I thought was a little flippiant and responded in kind. Remember, I was in a bike race kit, I wasn't in a pair of jeans and sweatshirt, 95% of me was unclothed...and the 5% wasn't covered by much....why did it have to come off??? why could it not be shifted and moved to do the examination?? since when does a rectal exam require that a patient be completely unclothed? Frankly, it would have been reasonable under the circumstances for the physican to say sure, we can leave them on but we will have to pull them down to check this or that...but that was never offered; and frankly, I was so put off by the whole situation I would not have agreed to it anyway at that point (even if I thought it was necessary, which I did not, but that is another topic).