Surely that depends on context?
How about waking up after a general anaesthetic?
Or after a gynae op immobilised with a spinal block with only dressings (no underwear).
And there’s a Trans identifying male in the bed opposite (who during conversation on the ward revealed they had not had their penis removed)?
You’ve said you’re not scared of that sort of situation. How about your feelings of privacy or dignity? Or are you generally free and easy with your body around others?