A (usually) female character with no nudity taboo. This can be "justified" any number of ways, but nine times out of ten, it's really for fanservice.
A common subtype is the creature that is ostensibly inhuman enough to supposedly not need clothing, like the Zora of the Zelda games, certain Furries or Weres (with or without Non-Mammal Mammaries), or of course, practically any kind of pixie. However, with these characters their nudity never comes up, making it an Averted Trope... Until they shape shift into a normal human shape for a while, that is.
An equally common subtype is using this to reveal that the character has an entirely different, unusual mindset.
The Emotionless Girl and Robot Girl may not understand what everyone's getting upset about. (Showing a lack of humanity.)
Raised by Wolves and Raised by Natives characters will simply not understand why nudity is a problem for everyone else. (Showing a lack of civilization.)
If the Green-Skinned Space Babe is not, in fact, of the OSSS variety, her people may simply not be sex-obsessed, or their modesty may simply be different than ours. (Showing a lack of cultural awareness.)
The local goddess-avatar might not get why this whole "nudity" thing is getting in the way of the worship, but it had better stop, got it? (Showing arrogance and a inhuman set of priorities.)
The Sugar And Ice Girl and Genki Girl might not understand why the Unlucky Childhood Friend is getting upset — after all, they've been together for years, right? (Showing how close she considers the main character.)
Or worse, she might not even care that some silly boy is watching — Until she suddenly does start caring that he is watching... (Showing Character Development and growing feelings of attraction.)
Often such characters are Naked on Arrival; it's not unheard of for a work to use the two tropes together to add a Fanservice Non-Sequitur (or to set up Ms. Fanservice) and then never mention it again.
If the Innocent Fanservice Girl receives Favors for the Sexy, she will likely just think people are being extra nice.
If the other characters are trying to hide this character, or the character is accidentally turned this way (hypnosis, blow to the head, etc), you might be in a Naked People Are Funny situation.
Special mention goes to "Feral Children" stories — Rudyard Kipling's The Jungle Book and Edgar Rice Burroughs's Tarzan being the biggest ones here, where a character is raised in a situation where they simply don't learn human body shame. In this case, it legitimately is innocent, is depicted for realism or for other reasons necessary for carrying the story, and neither Fanservice nor Freud are anywhere in sight. (Until Disney or or other adaptors make them randomly decide to wear a loin cloth, for obvious reasons.)
Compare with Naked First Impression, where the girl does have a problem with it, and will likely beat this into you. But, if the guy's thinking fast enough, he might ask her to Please Put Some Clothes On... Although 9 times out of 10, this won't work for one reason or another. If she stops undressing or acting fanservicey in front of someone she's romantically interested on, she most likely has come to think "Can't Act Perverted Toward a Love Interest!" (Although it's equally likely that the series is just Growing the Beard and Shooing out the (naked) Clowns.)
For variants on the theme, see Shameless Fanservice Girl, the "other" type of frequently seen naked fanservice girl who knows what a nudity taboo is, but actively ignores it. Also contrast with The Vamp, who is similarly uninhibited, but is hardly innocent. Related to Ms. Fanservice, who might wear more clothing, but is the same general idea.
Examples
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Anime & Manga
Ranma ½: A monkey tossed into the Spring of Drowned Girl comes out as a naked girl who looks almost exactly like female Ranma. She, being a monkey and having no knowledge of any nudity taboo, is unashamed of her unclothed state. Her nakedness causes some difficulties for the prince who did the tossing, resulting in him suffering a Gender Bender himself — and getting stuck in female form.
Ren in the anime DearS starts out uncomprehending and only gains a partial understanding of it: "I'm not naked, I'm wearing an apron!"
Parodied and gender-reversed in, of course, Galaxy Angel. Ranpha's unsolicited android "boyfriend" comes shipped to the space station naked, and has no intention of putting on clothes. Ranpha finally forces him into one of her own dresses, and when that doesn't work out, she steals a suit of Volcott's. This is, of course, not meant for fanservice, as Galaxy Angel is a bishoujo comedy, and, despite what Ranpha may think, the guy isn't all that attractive.
And he's actually a futuristic letter bomb.
Haruhi Suzumiya, having "no interest in ordinary humans," is perfectly willing to start changing with boys in the room, and Kyon compares this to a typical girl not having a problem changing in the same room as potatoes. This becomes a plot point: when she refuses to undress in the same room as Kyon, it's a sign that she's developing feelings for him.
Amuro Ninagawa of Umisho, who has no shame around someone she likes. Swimming naked is a hobby, and she considers taking a shower to be using a garden hose in the backyard of the male lead.
She also seems to have a talent for goading other girls into mimicking her. In episode one when Amuro dives naked into the ocean, Momoko Orizuka(girl) joins her to try to figure out her swimming secrets despite knowing that both Amuro's father and male lead Kaname can see her.
While Horo from the anime and manga Spice and Wolf does cover up in front of most humans, she seems to have no qualms about being naked around Lawrence early in the series. To top it off, in the manga Lawrence doesn't seem to care.
Also turned around on Horo when she is sick, and confuses his rough finger touches with an affectionate wolf's nuzzle.
Mamiko Kuri from Narutaru prefers to be naked while she's indoors, to the shock and amazement of her visitors. Outside she wears little more than a flimsy dress (or on rare occasions, her school uniform, like the time she's raped), which she lifts up to Bungo in the manga to show that - indeed - she's not wearing any panties. She's actually "closer to nature" in a way, since the Earth itself is one big Mon for her and her Good Counterpart, Shiina; furthermore, while the fanservice (if you can call it that) may be innocent, Mamiko's personality most certainlyisn't.
Miharu and basically every human resident of the alien world Seiren from Girls Bravo have absolutely no restraint regarding nudity due to their planet being almost entirely composed of (apparently heterosexual) women. This, of course, allows the show to completely indulge in every kind of Fanservice imaginable.
Both personalities of diclonius Lucy/Nyu from Elfen Lied, though the show alternates this character trait from deeply disconcerting Fan Disservice, to genuine Fanservice. The Nyu personality lacks an aversion towards nudity because of her innocent and blissful ignorance of any such social taboos (due to amnesia), while the Lucy personality lacks such an aversion because of the extreme deprivation and trauma she suffered in the twisted research facility that she was imprisoned in for three years (though she received roughly the same treatment nearly all of her life). In fact, almost every diclonius on the show is an example, despite nearly all of them being young children, though most of them aren't exactly innocent. Though most of the nudity happens in such context that anyone who gets turned on by any of it must be a sick puppy, indeed. Though there's no doubt that such people exist.
Or to put it more succinctly: Lucy doesn't care about being clothed when she is either: a) Innocently naive while suffering from amnesia, or b) not bothering with petty things like clothing while brutally slaughtering (nearly) any human close enough to reach. The reason for the other diclonii in general is that, while in captivity, they are treated as lab animals without such dignity or empathy to bother clothing them.
In addition to Nyu not being bothered to walking around naked, she has on two occasions shoved Kouta's hand against her breast, not getting how ackward it was to him. Both times, it also looked like she was about to kiss him as well.
She also tries frequently to grope other women, not seeing any reason why it would be inappropriate. At one point, she was pretty much about to rape Mayu.
Lala from To Love-Ru has no qualms about walking around naked. Her excuse is that as a princess, she's always had servants help her bathe, dress, etc. so she's used to being nude around other people.
In the original Ghost in the Shell movie, there is much nudity amongst Major Kusanagi and the other female cyborgs in the series. It's meant to invoke a detached nonsexual mood, emphasizing the mechanical nature of their bodies. As such, she has VERY few qualms about being naked.
This is a significant departure from the source manga, which also featured minimally-or- un-clad female characters, but in a manner that is just plain FanService. The differences probably come from the fact that the comic was created exclusively by Masamune Shirow, while the animated version was directed by Mamoru Oshii.
Note that Motoko is actually wearing a very tight skin-colored body suit — you can see her neck line, especially in the fight with the brain-hacked guy in the water. Only time you actually see her nipples is in the "birth" sequence, and when she tears her arm, tearing the whole suit.
Tell that to the Sci FiSyFy Channel censors; any time that scene's played there's copious amounts of blur.
Considering that there's multiple times between manga, movies and series that Motoko is offered/questioned about the choice to get an even stronger male body instead of that model, she specifically says that she "likes" this one... Well let's just say that it's strongly doubtful there's anything innocent about her fanservice.
In Zeta Gundam, Rosamia Badam (due to Fake Memories implanted in her through the process that made her an Artificial Newtype) had some, well, trouble keeping her shirt on when the AEUG doctors check on her, much to Fa Yuiry's despair and Kamille's embarrassment.
Late in Love Hina, the girls try to cheer Keitaro up in the hot springs, which Kei initially thinks is going to be a trap to get him to peep at naked girls again. Though the plan had everyone in bikinis, foreigner Nyamo doesn't get it and is completely nude.
In Kamisama Kazoku, protagonist Samataro's goddessmom is the Innocent Fanservice Girl, shamelessly mixing it up with a deep affection for her son that adds to the Oedipus Rex plot of the series. When she accidentally falls asleep in her son's bed nude and he wakes her up to chastise her, she is not only unashamed about him seeing her that way, but tries to give him a morning kiss. Later, she wears Hadaka Apron in front of Samataro and his female angel guide Tenko, and cries when Tenko yells at her for this.
A male has this role in Axis Powers Hetalia. North Italy is fond of getting some or all of his clothes off when he wants to sleep, which gets him often in trouble with others. (In one strip, his Stern Teacher and tutor Austria gets so pissed off when a young Italy gets naked and tries to sneak into his bed that he kicks the kid off a window.)
His Cool Big Sis Hungary briefly plays the role in a strip about her and Prussia's common past, not minding how the Clothing Damage she had just got in a fight leaves her almost naked. Prussia does.Verymuch.
The "Hetalia Bloodbath" event has three boys filling the role... Three nations from an Alternate Universe who simply have no nudity taboo and are in a search of a nation from our world who holds a secret mark in their body. These three are: Alternate!France (less of a pervert than the one we know, and is defeated and befriended by Sealand), Alternate!Spain (who is "beaten" by Belgium without any violence) and Alternate!America (a Lovable Sex Maniac of sorts).
Not to mention the April Fools AND Christmas (the latter half, which was hi-jacked by France) 2007 Events, the whole points of which are to get as many naked shot of naked guys NAKED as possible.
Choko of Chocotto Sister can behave this way at times. Especially early in the story where she sincerely believed a Hadaka Apron was something sisters were supposed to wear for their brothers.
Despite hitting just about every fanservice trope, Mahou Sensei Negima! doesn't seem to have one of these. The closest we get is an isolated incident involving Chachamaru wondering why she needs to put on clothes (slightly NSFW). Her body had previously been much more obviously robotic, but after her Mid-Season Upgrade she gets a synthetic skin, which makes her look like a normal girl.
Chachamaru partially inverts it, as the only time she's ever been embarrassed about her nudity is because of her obviously robotic appearance. After her Mid-Season Upgrade makes her look like a normal girl, she's no longer embarrassed about her body.
Evangeline gets about halfway into this, as she doesn't really mind being naked, especially around Negi, but she's definitely not innocent.
This happens frequently with Goku in the Dragon Ball series. Having been raised in the woods with the only other human he'd ever seen being his adoptive grandfather, the social taboos against nudity don't occur to him, so quite often he'll end up dropping trou to urinate or go swimming, or having his clothes destroyed, and not understand why everyone else is so concerned about him being naked.
Aisha from Genesis Climber Mospeada in at least two episodes of the series. During the fortress siege episode, Yellow rather poetically explains it as her being too innocent of the ways of the world to have a concept of modesty.
Brita from Darker than Black has a teleportation power that inevitably leaves her with nothing but her Godiva Hair to cover her assets, which she deals with by simply not giving two shits about who sees her naked.
The android-girl radio-announcer Maico in Android Announcer Maico 2010 is naked in the first episode when taken out of her box and before her operating system is installed (and before her legs are attached, so we only see the top half of her body). Even after her OS is installed and her legs are attached, she seems to have few inhibitions about nudity — though when two male characters try to peek at her legs, she thinks a long time about it then slaps them across the room.
Shigure of Kenichi the Mightiest Disciple. She does get pissed when Kensei Ma attempts to peek on her in the bath, but could care less about bathing with Kenichi, and doesn't even bother to lock the door to her room when she changes.
Mikiri in Change 123. Having the mind of a Cheerful Child, she sees nothing wrong in answering the door wearing nothing but kawaii panties and a towel casually thrown over her boobs. In a later volume, she strips down to her underwear and jumps into a public fountain to cool off on a hot day, which results in a... Wet See-Through Underwear Scene.
Chii from Chobits is a good example, specifically in the manga. It was a constant source of torment for Hideki, especially when she attempts to buy panties (even with her imperfect understanding of what panties are).
"Pan-tsu, pan-tsu, pan-tsu..."
Yuusaku in Toradora apparently has No Nudity Taboo since one episode featured him nonchalantly walking into a room, in full view of the three main girls, with nothing covering him except a handtowel held in front of his naughty bits. He seems to have no idea why everyone seems to react strangely to this.
Thanks to being an Emotionless Guy due to a missing heart, Mytho from Princess Tutu spends a lot of the first season wandering around in nothing but a long, baggy loose shirt. And yes, I do mean nothing—he doesn't appear to be wearing anything underneath it. This is taken to extreme Ho Yay levels when Mytho is even shown naked on a bed in a room with Fakir with only a blanket to cover him.
Niche from Letter Bee often goes commando, and she also tends to leap around a lot (she's quite powerful), leaving for gratuitous bare-bottomed upskirts. Her pants (the best we can call it, as her typical mode of transportation requires ridiculously oversized underwear or else it will ride up) are like a symbol of her bond with Lag, so whenever they're fighting... And Niche, well, can be a tad petty at times, usually if she feels she's a failure as a Dingo or if Lag is looking at another girl. Poor Lag...
Night Tenjo from Absolute Boyfriend is another rare male example, being basically an android sex doll he assumes his lover will want to see him naked and is programmed to enjoy being naked. Riiko has to explain to him that stripping off quite so often is considered at least a bit unusual.
Rei from Neon Genesis Evangelion. When she and Shinji first meet outside public, she's naked, he accidently falls on her, and she is more so annoyed by the fact that he fell on her, not bothered by him seeing her naked and that he unknownly grabbed her breasts.
Plus, she spends End of Evangelion naked except for a small part near Instrumentality's end; though it IS intended to be disturbing, what with her arm randomly falling off. Practically the entire eastern hemisphere bears witness to her assets before being assimilated.
And we didn't even mention all the fanart she got. Anno intended her to be the resident Creepy Child but she instantly got fetishized to such an extent that she practically became a fetish meme.
Practically nothing — Rei Expies are one of the most common characters in ero manga and ero ren'ai games. She's practically a trope in and of herself.
Kaworu is somewhat of a male variant of this trope; he insists on bathing with Shinji, and remains blissfully unaware of how awkward Shinji feels.
This similarity, it should be noted, is extremely intentional.
Evangelion in general tends to have no qualms with nudity, approaching it as a means to express characters' vulnerability and/or the natural state of humankind. To say that it is non-sexualized might not be entirely accurate since the series is absolutely chock-full of sexual symbolism, but much of the nudity is meant to be "artistic" rather than titillating. Of course, then there's also the "saabisu".
In Battle Athletes (not to be confused with Battle Athletes Victory, the remake) Kris Christopher camly parades around the room she shares with her teammates completely naked as it's part of her culture/religion. The other girls are not particularly thrilled about this. It would have been more amusing if she still did it in Victory as that version of her character had an open lesbian crush on the main character Akari.
Saori Shikikagami from Ladies Versus Butlers!! sees no problem with stripping on any given occasion. Even if it's by accident, she still treats it as no big deal. Her sister Sanae tries to keep her under control, but it doesn't work very well.
Professor Kiyama Harumi from To Aru Kagaku No Railgun has no hang ups about removing her clothes in the middle of the street if they at all get dirty, or even if because it's hot. Leads to some hilarity on the characters' parts and a lot of gawking from us.
In To Aru Majutsu no Index, Accelerator and Last Order's adoptive parents often go around nude in their apartment. Accelerator doesn't really care.
It happens in the second season of the anime when Accelerator walks in on the two women and Last Order having a shower. Last Order instantly freaks out and hides behind one of her companions' legs while the women don't even try covering themselves up; the girl questions the reason behind it and Yomikawa replies they're adults and Accelerator is a kid so they don't care. Accelerator's response is a Flat What face about a hairbreath away from a Face Palm.
The main example is Misaka 10032, a.k.a. Misaka Imouto. Not only she doesn't react to Touma having a direct line of sight on her shimapan, in the second season she pulls down her skirt in the middle of a mall for him when he makes a sarcastic suggestion (since the aforementioned Panty Shot is what helped him positively identify the girl: Mikoto wears shorts beneath her skirt but the clones doesn't).
The main female lead of G-On Riders, at least in the manga. The In Medias Res opening has her chasing down a spaceship that accidentally caught her (unworn, floating in the wind) panties on its wing, she spends the rest of the chapter giving one panty shot after another as she chases it down — except she's not wearing panties and she doesn't seem to care one bit. The second chapter is much the same: A splash of water gets her panties wet, so she just takes them off. After a while, they just stop trying to justify it — besides the gag ending of chapter 1, she's not seen wearing any underwear the entire series (but keeps wearing miniskirts). Author Appeal at it's most blatant (much like the rest of the series). The series even ends on a full page drawing of her leaping into the air, abusing the hell out of Anime Anatomy.
Similar to the G-on Riders example above, the eponymous heroine of Nanako-san Teki na Nichijou (Translated as Nanakoish Days or Nanako-san's Daily Life) has little to any shame about her body, which is good, cause the very universe itself conspires to steal her clothing at every opportunity. And again, much like G-On Riders, the series is told from the POV of the poor bastard friend of the main female lead, who keeps ending up either trying to peep on her (and beat up for his trouble), exposed himself, or trying to help her cover up (while trying not to embarrass her by letting her know he can see her) — often all 3 at the same time.
Tima of Osamu Tezuka's Metropolis frequently runs around with no pants, or even underwear for much of the movie, and makes no effort to hide this, but nobody seems to notice.
Kazuki Kosuda from B Gata H Kei struts around naked in her home, to the chagrin of her brother Takashi.
Also to the chagrin of the main heroine Yamada, who wants to seduce Takashi, but he's... more or less immune to her, due to his sister being very attractive and, you know, fond of running around naked.
Eureka ended up naked in front of Renton in the Eureka Seven movie ending which symbolises her rebirth. She showed no shame or anger of being naked due to her mind being reduced to that of an infant when she is reborn, but she does constantly cover her chest area.
Yuuko of Tasogare Otome x Amnesia sees no reason for modesty in her ghost form, stripping out of one school uniform to put on another right in front of Teiichi, and not bothered at all when, despite having turned away, he gets a good look in a mirror. When Teiichi finds her corpse, fifty-some years dead, however, it's another story entirely — she's utterly embarrassed, saying that her bones are as naked as a person can possibly get, begs him to cover the body, and calls him "ecchi" for not doing so immediately.
Sakuraba Yurika of Gacha GachaSecret is utterly clueless as to why her friend Akira-Chan (a boy who can change into a girl at will) often has nosebleeds whenever the two are naked together, which makes it double funny when the male Akira is called out on his perversion (even when he's being genuinely unperverse).
Mokuren in Please Save My Earth has her shower interrupted by Shion, who needs to update her security card. She lets him into her quarters, and searches frantically around the room for her security card, in the nude, while Shion watches. This is because Mokuren was raised as a nudist. When she discovers her mistake she's embarrassed; not because Shion saw her naked, but because she embarrassed him.
Gray Fullbuster from Fairy Tail is a rare male example. In his training as an ice mage, his teacher made him strip down and stand in the snow in order to fully understand the cold. It became ingrained to the point of subconscious, as he'll need someone else to point out when he's mysteriously misplaced all of his clothing.
Also his fellow student seem to have the same problem.
Mami of Esper Mami is an interesting (and slightly more realistic) variant — her father's a painter, and she works for him as a nude model. As a result, she has no hang ups about being nude, especially at home, and in a bit of Truth in Television, she usually doesn't get dressed during breaks.
The Epyonymous Nuku Nuku. Since she has the brain of a cat and an android body, she qualifies for both the Robot Girl and Raised by Wolves subtypes.
Pluto from Black Butler in human form is almost always naked, besides when he goes out in public and wears a tuxedo...Though this is very rare.
Lacus Clyne from Gundam SEED initially appeared to be this when pretended to be a Cloud Cuckoo Lander (and the series never made it clear if this was part of her act or not) when Kira brought a space suit for her to where when planned to help her escape, and both of them realize it wouldn't fit over her long dress. Lacus proceeds to take off her dress right with Kira watching, and giving Panty Shot after she gets her first dress off.
Strike Witches is very well known for its characters running around without any pants, Hand Waved by it making it easier to connect to their Striker Units. None of the girls seem to have any problem being bare-legged, and it's enough of a fashion statement that even Muggle girls are seen without pants. Though the girls do have enough of a nudity taboo that they'll avoid Going Commando.
Isma from Berserk has no compunctions with walking around nude in public.
Deconstructed in the case of Casca, who suffers enough Clothing Damage in the series as it is. After being stripped of her person-hood in a very heinous way which involved her being stripped naked, being assault by demons, and ultimately being violently raped by the man she once trusted in front of the man she lovedand having her mind regressto that of a child, Casca also shows no compunctions about being naked - so long as someone isn't intending on having his way with her, which seems to be the only time that Casca has any memory of her past. However, her current state of being has also been presented as a problem when it comes to Guts, who is still very much in love with - and sexually attracted to - Casca after all that has happened. His Enemy Within KNOWS this and tries to take advantage of his male urges whenever he sees Casca indecent - and one time, it almost worked.
Comics
Storm of the X-Men was introduced with a noticeable tendency to show off her immunity to exposure (to the elements) with conspicuous, um, exposure. To be fair, Colossus shared her views.
Normally, Wolfsbane (in her earlier appearances, at least) would freak about being seen in the nude, and on one occasion was nearly paralyzed with embarrassment due to the loss of her clothes. But when transformed into a half-wolf state (or her full-wolf state, but that doesn't really count), she demonstrated no concern about nudity, probably because she assumed no one would be interested. a) The way she was drawn as a half-wolf... shall we say, varied and b) she clearly had no knowledge of furry fandom.
Speaking of the X-Men, there's Cable: it's not played up, but he has no problems with stripping off and showering while discussing his next move with his (female) chief of staff on Providence Island. In the Bad Future he grew up in, people had more important things to worry about than modesty.
Irene:...does it make sense for you to be always shedding your clothes around me?
Cable: I'm sorry. In my future, soldiers of both sexes fought, bathed and dressed side-by-side.
Irene: Well, let's hope the evangelicals win this one...
In her earlier appearances in the New Teen Titans comic, Starfire would often appear with Censor Steamed nudity, due to both her time as a slave and her society's lack of nudity hangups. She still likes to shuck the clothing, but now she does it in (what is usually) private.
Her cartoon version doesn't seem to mind being nude either, as in one issue of Teen Titans Go she doesn't really care for the fact that she's missing her clothing.
Because of a lack of detail, it isn't really fanservice in the comics. He looks like a very tame biology class drawing of the human body. That was done intentionally to make it pass the censor board. On the other hand, in the film adaptation there is a little too much detail. (And an extra foot if you know what I mean.)
During the Vietnam War he is wearing a pair of briefs. But by present day he is so out of touch with humanity he simply doesn't care about what is taboo anymore (he still puts on a suit for public appearances, however).
In fact, his costume gradually gets smaller and smaller over time, from a full-body suit to a tank top and briefs to just briefs to a thong, to nothing at all.
The Top 10 comic features an Artificial Humanmartial artist, Sung "Girl One" Li, who can alter the color of her skin with the precision of a cuttlefish and has a predisposition towards staying naked — instead just making fake "bodypaint" clothing and random patterns to make it harder to look at her body. Presumably this was programmed into her by her creators, two horny rich child geniuses who based her on video game Fanservice tropes.
Subverts this trope handily when we discover she only has the biological compulsion to stay naked, not the lack of a nudity taboo, and is not happy when she discovers her supervisor at work (an intelligent Doberman Pinscher in a mecha suit) is colorblind, meaning he can see ''everything''. (She decks him.) He later (lyingly) explains that he's as interested in seeing her naked as she's interested in seeing random naked dogs on the street, and she still makes no effort to wear clothing (or, rather, can't due to her genetics). Her twin "sister", Sung "Girl 54" Li, later joins the team a few months after Girl One's funeral, who also has her sister's compulsive nudism.
Similar to Girl One is new Batman D-List superheroine, "Birthday Girl", introduced in the British-centric "Knight and Squire" #1. Her name is a rather horrible pun — "Birthday Suit" is a reference in Britain to total (usually nonsexual) nudity, so what better costume for Birthday Girl? Her superpowers are quite literally the ability to create Scenery Censor objects — she's constantly hidden from the camera via helium balloons (which she has some limited control over), although she appears to also have some form of martial arts training — she's shown taking down a Mook in hand to hand combat in Knight and Squire #6.
Italian action comic Nathan Never features Rebecca "Legs" Weaver, who got the nickname due to her slender physique. She's a possibly lesbian (never explicitly stated, but there are subtle hints) secret agent living with a coworker of more normal constitution, yet no less visually striking. Both of them are usually clothed when outside, but whenever they're in their home they have no qualms with shedding clothing and strolling around bare naked. There are no sexual meanings to this; they both just feel comfortable with each other enough that they don't bother with clothes when they aren't necessary. Results in plenty of anatomically correct fanservice (read: yes, there are nipples), though the crotch is always, always covered by Censor Steam, Censor Water, Censor Pieces of Furniture or Censor Page Boundaries.
Legs eventually got her own comic, appropriately titled Legs, with even more fanservice.
Horridus, a Cute Monster Girl from The Savage Dragon and Freak Force, has two excuses for this — she spent most of her life chained up in her parents basement without clothes; and most of her body is covered with sharp spikes that shred clothing.
Both of the most prominent females in Supreme Power initially follow this trope: The Amphibian *
essentially sees herself as a god who's above silly human customs, not to mention she knows she's gorgeous. At one point after Zarda's crossed over into Ultimate Marvel, she runs across a Magic Pantsless Ultimate Hulk and, in spite of her sharing his resentment at having to wear clothes, is tasked with making him wear pants.
The French graphic novel Pyrénée, a take on The Jungle Book with a young French girl growing in the Pyrénées mountains instead of a young boy in the jungle. Stranded away from civilization and raised by a sentient bear since before she could walk, she has no body shame, and it's on more or less every page (but definitely not sexual). Actually does come up — she has to survive a winter without her Bear friend, so her Eagle friend shows her what a fur coat and boots are (which she gets rid of the second she can).
In the old Marvel comicCrystar Crystal Warrior, the magma warriors all go naked. The males are monstrous-looking enough that it's only a borderline case of the trope, but Lavour is basically just, well, a nekkid chick with textured red skin.
Playboy's "Little Annie Fanny" constantly lost her clothing, but was too naïve to notice any problems that might cause. She was 100% innocence and 200% Fanservice.
In an issue of "Batman and the Outsiders", Cassandra Cain moves in with Grace and Anissa, and gets a glass of orange juice while completely naked, simply because she doesn't bother. Grace remarks "I didn't know the Bat-crowd was clothing-optional", while Anissa observes "she has so many scars..."
In the old Dragon magazine comic strip, Snarf Quest by Larry Elmore, Snarf hooks up with Telerie Windyarm, a Hot Chick with a Sword whom he later discovers has no sense of modesty when she casually changes clothes right in front of him. Although he is initially embarrassed at this, when they are invited into a starship and she changes into a skimpy nighty for dinner, Snarf firmly tells one of the attending robots to say nothing so he can enjoy her company as is.
Fan works
Harry Potter fanfiction occasionally casts Luna Lovegood as one, particularly if the fic is broadly comic or a Lemon (or both).
Tsuruya in Kyon: Big Damn Hero, who has no problems with getting undressed in front of Kyon and taking baths with him.
Tsuruya might count as a subversion in that she does grow to like Kyon, but retains the same shamelessness. Not even Chapter 28 changed that, though that could be the context of the Wham.
Yuki, in one chapter too. She offers to teach Haruhi how to kiss better. Haruhi blanks for a few moments while she processes that.
The fact that Starfire of the Teen Titans comes from a culture with no nudity taboo came in very handy in the JLA WatchtowerOlympics plotline. Hades, in an effort to humiliate the Titans, demanded they compete in the "traditional" Olympian style. The rest of the Titans balked and had to fight their embarrassment. Starfire casually stripped off her (skimpy to begin with) costume, and reassured her True Companions that they had nothing to be ashamed of.
Mr.Evil'sOriginal Character Ren from his Hero High series has a habit of walking around naked. Justified as with her species, it is completely natural for one to not wear any clothing while indoors.
Films — Animation
How about Ariel from Disney's The Little Mermaid? After Ursula turns her into a human, the only thing she's wearing is her mer-bra. Despite strategically placed hair and other objects concealing her naughty bits, she is obviously otherwise nude. (Interestingly, when her father makes her human again at the end of the film, this time around she has proper clothing from the get-go. More exactly, a sparkly tunic.)
In The Last Unicorn when the unicorn is transformed into the Lady Amalthea all she wears is her hair.
Films — Live Action
Male example: George from The Movie of George of the Jungle espouses the strangeness of the ablution practice of using "strange slippery rock"... while nude, in front of the heroine and her best friend.
Spoofed in Not Another Teen Movie where a Funny Foreigner is naked at all times and enthusiastically admits that she is in America simply to give nerds pussy. Even during a party, another naked girl sees her and declares "Oh my god! She totally copied my outfit!" During the song and dance sequence she says "Look at me, my breasts are perky... yes" while a cartoon bluetit (tee hee) lands on her mammaries. Whenever she speaks (in English), the subtitles are formatted to have gaps where her breasts are, just to make sure we get as much boobage as possible. Coincidentally, her name is Areola.
Also used in the movie Summer School. The cast of high school students have gone to the beach together and Italian exchange student Anna-Maria starts to take off her bikini top. To the disappointment of the male students, one of the other girls stops Anna-Maria and tells her "this ain't the Riviera."
Nadia only gets naked in situations where normal people might get naked, in private with the guy she's about to have sex with. The only unusual thing about it is how forward she is in the first movie but she knows exactly what she's doing.
The mermaid Madison in Splash sees nothing at all wrong with walking up to a crowd of people on Liberty Island completely in the altogether.
Bocce balls!!
Done in a The Jungle Book-like way in the German movie Liane - Das Mädchen aus dem Urwald ("Liane - The Girl from the Jungle"). Living among African tribespeople 16-year-old Liane, long lost granddaughter of a wealthy industrialist, never wears anything else than a loincloth. She even appears naked on the movie poster. And we are speaking of a 1956 release here.
And the actress was reallysixteen years old at the time of the release. Unsurprisingly, the UK version changes Liane's age to 20.
Starship Troopers has a scene where the all the Roughnecks (male and female) are taking a shower naked with no signs of sexual arousal or interest whatsoever.
And Paul Verhoeven directed that scene naked. Please, do have nightmares.
Paul Verhoeven seems to have a thing for casual nudity. Seriously, try to find a Verhoeven film without someone naked (usually unnecessarily), whether it's blatant Fanservice or disturbing Fan Disservice.
His Hollywood works actually ahow an amazing amount of restraint, compared to the films he made earlier...
The Jodie Foster vehicle Nell, where the title character is an innocent young woman who grew up way out in the sticks and has no conception at all of modesty.
Altaira from Forbidden Planet has no problem skinny-dipping in front of strangers, having lived with only her father and a robot most of her life.
Not to mention the dress she is shown wearing at first.
Giselle from Enchanted doesn't get why Robert is so flustered when he walks in on her in the shower.
In Lifeforce, Mathilda May plays a vampire from outer space who walks out of a research facility and into the streets of London completely naked, and completely oblivious. Was apparently the inspiration for Species, also about an alien femme fatale who takes on the appearance of a hawt human babe.
in Cashback, the main character has a flashback in which a Swedish girlboarding with his family walks naked in front of him on the way to the shower.
In Splice the uncanny valley hot chick creature is at first conditioned to get used to clothing, but seems perfectly happy when they get taken from her 'because they make us see her as human'. Yeah right.
One of the segments of Amazon Women on the Moon involves a woman parodying the typical portrayal of Hollywood women / Models of the time by acting like this — that is to say, she walks around completely nude (in lingerie in the edited for TV version) while doing typical daily things (going to an art show, walking around town, going to church, etc.) She gives the stereotypical vapid interview responses as narration, talking about how much she loves the area, how nice people are to her, etc.
Literature
The original The Jungle Book had Mowgli being an Innocent Fanservice Boy, having no experience with human modesty. Funny, that part didn't make it to the Disney version. Although in the first instance when he encounters humanity he's only eleven, and later on, after he's spent six more years naked in the jungle, the only human who sees him naked is his own mother. Well, she thinks she's his mother anyway...
From "The Spring Running":
"Son," she said at last - her eyes were full of pride - "have any told thee that thou art beautiful beyond all men?"
"Hah?" said Mowgli, for of course he had never heard anything of the kind. Messua laughed softly and happily. The look on his face was enough for her.
"I am the first, then? It is right, though it comes seldom, that a mother should tell her son those good things. Thou art very beautiful. Never have I looked upon such a man."
Similarly, John Eyton's 1924 novel Jungle-Born features a wild teenge boy with a similar attitude towards nudity, who has a couple of encounters with a girl his own age who's run away from home. At the end of the book she finds him injured and equally innocently uses all of her clothes to make bandages for him. The obvious implication is that when he recovers and they're both naked things may end up being not so innocent between them.
A possible inversion occurs in the Sword of Truth series, with the Mud People. While they're not prone to running around naked, they are more lax than the rest of the people when it comes to otherwise taboo subjects. For example, to the Mud People, "You have very nice breasts," is nothing more than a compliment, indicating they think the woman is beautiful and/or fit for motherhood—which causes some awkwardness when some of the males leave their village to travel with one of the main characters. Fortunately, these guys don't speak English very well, so the awkwardness is confined to him asking the female lead, "How do I tell that girl she has nice breasts?" She responds with the general rule, only compliment things that aren't covered by clothes.
Played with a bit in The Pillars of the Earth with Ellen. With her soldier father and his friends being her only company during her childhood, she was showing signs of growing up as a Tomboy and would do "manly" things with them (such as urinating outdoors together or cursing). This trope was among those "things." When she began entering puberty, however, the soldiers' attitudes changed, and her father tried to send her off to a convent for her well-being (given that it's set during medieval times, this would've been a fairly good decision). Instead, she rebelled and ran off. She's a bit more modest during the story, but not wholly when you consider that she approaches Tom in the nude after his wife dies...
In the book One Hundred Years of Solitude, the incredibly beautiful Remedios "La Bella" Buendía is completely unaware of her beauty and her uncontrollable aura of seduction. Then again, everyone in the family but the Colonel Aureliano thinks "What an Idiot" of her, since Remedios acts like she was Raised by Wolves despite belonging to the most powerful family of Macondo: she shaves her head to not keep her hair long, only wears a flimsy handmade dress since she hates dresses and corsets, gives out simple replies that makes people wonder if she was hit on the head as a little girl, etc. The biggest example is this one: Remedios doesn't even blink or blush when she catches an Accidental Pervert watching her bathe from the roof, showing only worry about his safety and otherwise talking to the guy as calmly as if he was just passing around.
The Mercy Thompson series nicely averts this. Mercy normally disrobes prior to changing shape, but she prefers to do it in private, to avoid anyone misreading her casual nudity.
In Iron Kissed, Mercy says that werewolves also lack a nudity taboo for the same reason.
The werewolves of The Dresden Files. Obviously they're naked in wolf form, but they remain nude in human form as well, and show no shame for it. Justified for their leader, whose natural form is a wolf, and she can turn into a human. Naturally she learned no shame from being a wolf, but she has learned that male humans really like to view naked women.
For the rest of them, it's explained as the result of communally stripping in a hurry whenever they need to change to wolf form — nudity ceases to become a novelty to them after a while, and they adapt.
Subverted with Proud Warrior Race Girl Kitai from the same author's Codex Alera- she comes from a culture where the standard dress (for men and women both) is a loincloth and little else, but she's smart enough to recognize that humans are generally not comfortable with someone showing that much skin, and almost always dresses in a plain soldier's shirt and pants.
Some of the Uberwald werewolves in The Fifth Elephant eschew clothing as a matter of pride, to show that they are separate from (and superior to) humans. Angua doesn't share these views as much.
Usha in the DragonLance series, particularly Dragons of Summer Flame. Quick relatively spoiler-free explanation — she's half Irda, a supernaturally beautiful race, and half human. She spent most of her life living with the Irda and was ugly compared to them. Then she ended up in human lands, and by their standards, she's dazzlingly beautiful. She does learn fairly quickly, however, and so the fanservice doesn't last long.
In Isaac Asimov's novel The Naked Sun, the protagonist, Elijah Baley investigates a murder case on the planet Solaria, where people despise human contact, and communicate with very realistic holograms (called "viewing", as opposed to "seeing"). When Baley wants to talk with the victim's pretty, young widow, she appears naked on the hologram; she doesn't understand his embarrassment, since it's just "viewing" — it's not as though he's there in person or anything. In fact, the idea of him being there in person squicks her out worse than the idea of him seeing her naked at all.
In the Doctor WhoTie In Novels, the Eighth Doctor, being a Cloud Cuckoolander and an alien, has a habit of just cheerfully going with it whenever he loses his clothes or happens to be seen naked. In Parallel 59, he tried to hug his companion Compassion while they were both naked. Being every bit as prickly and antisocial as he is extroverted and affectionate, she really didn't appreciate it. However, Anji, a later companion, feels comfortable changing her shirt in front of him mostly because he's beyond all that (and partly because she sees their relationship as not merely Like Brother and Sister — he is like a sister to her). And Fitz, who travels with him for almost the whole run of the books, seems to entirely pick up his attitude, not getting embarrassed when nasty space poodles take their clothes... although, as he attempted to trick a girl into thinking they'd had sex by getting in bed with her naked while she slept off alcohol and a concussion in his first appearance, Fitz apparently never had entirely normal attitudes about when it's appropriate to get buck naked.
In the Firekeeper series, Firekeeper herself, a Wild Child raised by wolves, actually does wear clothing, as her Royal Wolf parents taught her to make basic leather clothing. However, she was taught this purely for pragmatic purposes of protection from the environment, not out of modesty thus she still has to be taught not to strip wherever.
Aviendha of The Wheel of Time is of the "from a culture with no nudity taboo" variety. When she's assigned to "watch over" Rand al'Thor, she sleeps naked and changes in front of him at every opportunity, presumably because she's amused at his flustered reaction. Interestingly, there is one scene where they have a serious conversation and Rand has no reaction to her nakedness; when he casually asks her if she's going to put on some clothes, she becomes very embarrassed and dresses quickly.
She only shows off when it is obviously making him uncomfortable. If he shows any interest at all, she becomes extremely embarrassed.
The same gag is used in Shienar, where there's a tradition of mixed-gender communal bathing. Rand is likewise targeted by just about every female around, because they want to see him blush.
Oar in James Alan Gardner's Expendable and Ascending novels of The League of Peoples Verse. Notable because due to genetic engineering gone horribly wrongright, Oar is breathtakingly beautiful, Nigh Invulnerable, and completely see through — she looks like a walking, talking glass statue. (The cover of the hardback version of Ascending has Oar with an open leather jacket — and nothing else — on.) Unfortunately, she also has the mentality of a spoiled eight-year-old.
Kate Daniels says that shapeshifters are all either very modest or very open, since their changes leave them nude afterwards. Thus Dali drops her towel after drying off without seeming to notice that she's in a crowded room, and several times after fighting beside Curran Kate has to force herself to keep her eyes on his face.
Aphreal from The Elenium is of the Goddess type, while she takes on mortal form she stays clothed, (thankfully since her preferred form is a little girl), when ever she has to revert to her real form she sees no reason to bother with clothing, much to the consternation of Sparhawk (but then he is technically her father in her little girl form).
Kas, the main viewpoint character of Henry Sackerman's The Love Bomb, is a Human Alien from an entirely clothing-optional culture. This is both Played for LaughsandPlayed for Drama, as he's arrested for indecent exposure several times.
Dejah Thoris. And all the other women of Barsoom. And the men. It's basically John Carter and a planet full of fanservice. Being a proper Southern Gentleman, he's very classy about it.
To elaborate, the various Barsoomiam races wear plenty of jewelry (which denotes social status) and in many cases leather harnesses (for attaching weapons/tools/possessions to) but nothing else. They also seem to find the Earthly custom of wearing clothes to be amusing- particularly hats, for some reason.
In Elizabeth Vaughan's Dagger-Star, Red Gloves understands the need for clothes for normal situations, but she doesn't get what the big deal is about being seen naked while taking a bath.
Septa Lemore in the fifth book of A Song of Ice and Fire. Kind of funny, since she's a woman of the cloth who likes to bathe naked in front of a bunch of seafaring men.
The Star Trek franchise has quite a few examples of this:
In an episode of Star Trek: The Next Generation, Data's "mother" (an android) mentioned that when he was first created he argued that he had no use for clothes, as his strong android body meant he didn't need them for protection from the elements, and thus wore none. As he was created with the "fully functional" body of an adult, they quickly added a modesty subroutine.
To Ferengi women, wearing clothes is the taboo. In their first introduction in TNG, they glare at Tasha Yar with disgust and act like she's being forced to do something that she probably "shouldn't" want. It's because Ferengi females are viewed as property, and wearing clothes would indicate their male has something to hide. In Deep Space Nine, Quark's mother fights this and earns the right to wear clothes. Also: nude Ferengi? Really?
It's played for some serious laughs when Quark and his brother return home to deal with her "deviant" behavior. Both of them act extremely uncomfortable around her in clothing (much in the way human sons might be expected to act around their mother who suddenly decided to NOT wear anything), keeping their eyes cast down so they don't have to see her non-nude body.
In Doctor Who, although she never got as far as actually being naked, the character of Leela (who was born and raised in a tribe of jungle savages and wore relatively little clothing) had a habit of stripping down to her underwear in front of men of cultures where this was inappropriate. She remained completely innocent about the effect this seemed to keep having, as such things were not an issue in her own society.
If the interviews are to be believed, the actress Louise Jameson who played Leela also counts, since she was amazed that she became a sex symbol from running around in a leather bikini on television right after the football.
The Doctor himself is showing these tendencies in his eleventh incarnation, although he sometimes manages to remember a towel.
Ea, the main character from Invisible Girl Ea, a Made for Late Night TV miniseries in Japan, is a young woman who escapes from a government lab. She just happens to be able to go invisible. Her clothing cannot. Which is fine, since she never wears any the entire 6 episode miniseries. No effort is made to cover her nudity up, other than some decent CG for when she becomes invisible and some occasional camera work to cover up things that are TOO much for Japanese TV (which, apparently isn't much).
The Terminator spin-off The Sarah Connor Chronicles features Cameron, a female-modeled Terminator who doesn't always wear a full set of clothes. Like all Terminators, she also has no qualms with kicking ass while in the buff.
And don't forget that in the Terminator-verse, you can't take anything with you, so you're pretty much Naked on Arrival.
It turns out that Cameron is in fact very aware of the effect she has on others while wearing scanty clothes. More than once she's used her physical body to manipulate people around her. Then again, she also nonchalantly strips in front of John in the series finale, so its quite clear that she simply doesn't care what others are seeing.
She was programmed to fall in love with John, or at least to get him to fall in love with her, so as to ensure she could be close to him to protect him. So that's not abnormal, seeing as she was regularly alluring around him in private.
Happens all the time with the humanoid Cylons on the re-imagined Battlestar Galactica.
In the 1988 sci-fi mini-series Something Is Out There the beautiful alien Ta'Ra comes from a culture with no nudity taboo, which leads to a Please Put Some Clothes On moment.
Although it was played more for laughs than fanservice, Seinfeld contained two characters who cared very little about others seeing them naked.
There was a male example in the subway episode, in which Jerry is sitting across from a middle-aged overweight man. Jerry dozes off, wakes up, discovers the man sitting across from him is naked, and all the other passengers are staying as far away from him as possible.
Naked Man: I'm not ashamed of my body! Jerry: That's the problem. You should be.
Then in "The Apology," Jerry was dating a woman who spent a lot of time naked, even in Jerry's apartment, at least when nobody else was around. She was convinced to wear clothes when Jerry let her see him naked for no apparent reason.
It's a very brief scene, but Illyria rips off Fred's old clothes in front of Knox on Angel. Illyria is the "goddess-avatar" type mentioned above, and presumably doesn't really get that doing this sort of thing might have people lusting after her, which she seems to find unpleasantwhen Connor is doing it.
The fake Kara from the Smallville episode "Covenant" shows up at the Kent Farm completely naked, talking seriously about important issues. The Kents convince her to put on a dress, but she goes barefoot for the rest of the episode.
Aquaman's wife Mera casually strips in front of Lois in the episode "Patriot".
And Clark was an Innocent Fanservice Guy in the season-four premiere, having just returned from another dimension where he had Outgrown Such Silly Superstitions.
Flash Gordon: At the end of "Pride", Baylin, the female bounty hunter from Mongo, is nude and oiling herself up while seated in Flash's backyard when his girlfriend Dale Arden comes over. Flash explains that on the planet Mongo, because clean water is so rare, that is how its inhabitants clean themselves. When Baylin stands up to scrape the oil off, Dale notices that Flash is paying too much attention to his guest and irritatedly pulls him back into the house.
Seven of Nine from Star Trek: Voyager. In the episode Someone To Watch Over Me, she starts stripping in front of The Doctor (lucky bastard).
Q's son also vanishes her clothes at one point, and is rather disappointed when this doesn't get any reaction out of her. Doesn't stop him admiring the view, though.
Q: If the Continnum's told you once, they've told you a thousand times. DON'T PROVOKE THE BORG!!
Hercules: The Legendary Journeys: Katharine was a pig who fell in love with Hercules and was turned into a woman. Hercules tried to explain to her that Humans wear clothes. Hilarity Ensues.
An early episode of Quantum Leap had Dr. Sam Beckett leap into the body of a World War II veteran, who returned to his rural midwestern home with a Japanese bride. His mission was to get her accepted and assimilated into her new life with him. One day, while hanging laundry, the young woman removed her top, as was her cultural norm. Unfortunately, she was seen by her mother-in-law, who was not amused.
Pistis Sophia from the 3.5e Book of Exalted Deeds, the Lawful Goodarchon paragon of asceticism and self-perfection. Since she's an angel who fights like a Bare Fisted Monk and whose personal philosophy discourages material baggage, clothing is just another superfluous possession to her.
Elves of Forgotten Realms normally don't see any problems with nudity, and humans who dealt with them too much (including Seven Sisters) sometimes pick up their habits. Though they make adjustments to not become too much of a distraction when among the humans. In books, citizens of Cormanthor (Elminster in Myth Drannor) considered a handful of enchanted gems stuck to the skin to be a fashionable dress and for ladies of Evereska (Return of the Archwizards) discovery that men who see them swimming start to breathe heavily was rather disconcerting. Drow also got Eilistraee — as one of the authors put it, "goddess of butt-neckid moon dance".
Exalted has the AlchemicalThousand-Faceted Nelumbo, who, given that she's a cold-proof robot and a loner by necessity, usually doesn't wear anything other than a cloak, which she casts off during a fight. Subverted, however, in that she's actually aware that this attracts stares-the cloak can reshape itself into normal clothing if she's forced into a social situation.
Video Games
A webcomic fan adaptation of Phantasy Star II has Nei acting like this.
In one fan-produced expansion for Neverwinter Nights (female characters only, for story reasons) entitled "A Dance with Rogues," your character has the option of doing this. Not recommended, because having no armor does not help you survive combat, but some of the NPC's responses when you talk to them nude are just hysterical.
Felicia from Darkstalkers is always naked outside of a fur bikini, aside from her few appearances dressed as a nun. It may be providing the absolute minumum coverage where it counts, but that's her own fur, not clothes.
However, Felicia's butt is fully exposed. Literally, as some animation frames and some character design sheets shows that her fur "panties" only cover her front part. This is a specific type of Japanese fanservice called maebari — the use of tape (or, in this case, fur) to cover up the genital region, a relic from when Japan prohibited the display of such in adult media. Contrast "pasties" from US and Carnaval.
This could be said of a lot of Darkstalkers characters, really, including the males. Even Morrigan and Lilith are technically wearing part of their own substance as clothes, as indicated by the way they can shift them around at will.
Lucia from Lunar: Eternal Blue, starts off having no concept of human behavior. As such, when she hears Hiro and Ruby having fun in the men's hot springs, she enters completely naked to join them. This is later contrasted in the game, when Hiro stumbles upon Lucia naked one night, and she screams and hides from him. This is used to show she's becoming more human, as she's starting to care for Hiro.
It should be noted the aforementioned hot spring scene is only available in the remade Playstation version titled Lunar 2: Eternal Blue Complete.
In the Japan-only installment of the series Magical School Lunar!, the main character, Elie, is even more willing to show up naked in cutscenes than Lucia is, if you can believe that. Much less appealing given that Elie is a pre-teen girl.
Midna, the resident Imp from The Legend of Zelda: Twilight Princess, wears an improv helmet made of Fused Shadows and nothing else for about 98% of the game.
To be fair, this is only really fan service at the very end of the game.
Princess Ruto in Ocarina of Time wears no clothes. At first it seems it's because the Zoras have no nudity taboo, but in the sequal Majora's Mask there's a female Zora who wears a dress....
Probably because Zora's in their own domain have no problem with nudity, but Hyruleans and townsfolk might outside in other villages.
On the flipside, clothing tends to be rather cumbersome underwater.
Some what Lapshaded in the 3DS remake, where Ruto seems to have built in clothes, or at the very least, built a built in top.
While Dizzy of Guilty Gear doesn't go completely naked, she seems to be unaware of how Stripperiffic her regular outfit is...
She was actually raised by Testament, a Stripperifficmale Gear. Maybe that has something to do with it?
Not to mention... She's just 3 years old and lived most of her life secluded from civilization.
Naturally, the Jedi Exile asks her to Please Put Some Clothes On. She then dons a "unique" Jedi robe. From there, the player can unequip it and have the Exile make her put clothes on again. This will cause her to put on a new set of the same "unique" robes. This can be done as many times as necessary, effectively granting a source of unlimited credits and components.
In Breath of Fire III, Deis (Bleu) is completely naked when you first meet her. She then immediately commences with the ass-kicking of Garr, all the while remaining completely naked and "Eye of the Tiger" by Survivor starts playing in the background. May very well be the most awesome thing to ever happen in a video game.
When she shows up in her true form, with clothes, she seemed to amused that you might have expected her to show up naked. Telling her you preferred her that way will annoy her, though; saying you prefer her clothed, snakey form means you can get her as a tutor later.
Syphon Filter 2: In the second mission, Lian Xing is shown nude from behind while changing into combat gear.
Used somewhat humorously for the Iskai in Albion. As it turns out, there are some body forms that while still "humanoid," and while having similar sexual organs to humans, are just different enough that seeing them naked can't be called anything but mild Fan Disservice.
In Menace Beach, Bunny's clothes are shown slowly "rotting off" between levels, eventually revealing her underwear.
Ragnarok Online: Moonlight Flower may qualify, because her in-game sprite makes her look like she is bottomless!
Makes it look like? Official art makes it pretty clear the Moonlight Flower is bottomless. One of the distinctions between the Moonlight Flower and the later introduced Cat o' Nine Tails is that the latter wears something about its nether regions.
Big Boss in the Metal Gear series is implied to just simply like being in as little clothing as possible. It's mainly played for laughs, but there's strong elements of fanservice as well, like Para-Medic telling a random soldier about how good Big Boss looks with no clothes on in Portable Ops and Paz graphically describing watching him wrestling a man naked in Peace Walker.
Cortana from Halo is plainly nude (unless Tron Lines count as clothing), although she is just a hologram. Unlike most examples, her nudity is never once mentioned or lampshaded In-Universe.
In Remember11, Satoru displays a bit of a lack of modesty while in Kokoro's body. Kokoro is not amused when she finds out.
Web Comics
Grace of El Goonish Shive initially plays the Innocent Fanservice Girl trope 100% straight — no nudity taboo, oblivious as to why people are nervous about the subject, vaguely offended when people ask her to cover up, etc. However, Susan explains some of the cultural implications of nudity, which leads to Character Development — she still has no nudity taboo, but understands that it makes other people uncomfortable and titillated and so reserves "naked time" for private moments. Later she deliberately uses her fan-servicey past to tease Tedd.
Word Of God from Dan Shive is that Grace's original lack of a nudity taboo was intended to be a mercy for a shapeshifter lacking Magic Pants. Then he went and introduced the Magic Pants anyway...
Similar to the Grace example above, TwoKinds brings us Flora, a Tiger-girl from a Rainforest tribe who ends up naked a lot — although with her being a furry character, it might not count. The artist has lamented that Flora just seems to naturally end up naked despite his intentions. Subverted a bit as she lived with humans for half her life, and thus should know better — doubly so as the other Keidrans seem quite comfortable staying dressed in human company (and wear loincloths when in the forest). In other words, she has even less of a nudity taboo than the race of people with no nudity taboo!
Other Keidrans with names run the gambit: Kathrin was bred as a sex slave that's appealing to human sensibilities and seems to be genetically predisposed towards having no nudity taboo (and keeps invoking Accidental Innuendo); Laura (who grew up with Keidrans) is a Shrinking Violet and dresses very conservatively, Natani has his own issues being a F2M Transsexual and all that and dresses from head to toe (or at least tries to), Mike and Evals seem to mostly have human ideals about clothing while working, but flashbacks on the author's Deviantart site suggest that Evals used to enjoy walking around his original owner's estate in the nude, etc etc.
In spite of her typical modesty, Agatha of the webcomic Girl Genius strays into this territory with astounding regularity since her habit of sleepwalking (and sleepworking) tends to result in her waking up in her lab elbow-deep in engine grease and wearing only her (Victorian-era, mind you) underwear. As mortified as she is each time it happens, you would think she would start wearing pajamas at the very least — but then, this is fanservice we're talking about, so common sense need not apply.
Sparks and common sense tend to have a dubious relationship at best...
Male example: Artie from Narbonic, originally a hyper-intelligent gerbil who gets turned into a human. He knows humans wear clothes but he's spent so much time without them that it sometimes slips his mind.
Over-developed French-Canadian blonde amazon DiDi from the webcomic Ménage à 3, which is basically Three's Company updated to the early 21st century and set in Montreal. She's a hybrid between Ms. Fanservice and Innocent Fanservice Girl — so far, she has had no problems with her new female roommate walking in on her in the shower, has no problem walking around both her roommates in translucent lingerie, and is happily sunbathing topless in front of her male and female roommates, in a public park.
In addition, the naked priestess Mersey who was attempting to explain the tradition (when she was cut off by an ogre kidnapping the other 15 girls) was willing to put on a cloak◊. Since the party doesn't HAVE a healer, it's looking like Mersey may be joining up. Fanserviceho~!
Used in an early strip of The Order of the Stick when Elan, the resident idiot, decides that, due to the way armor check penalties work in D&D 3.5, the less he wears, the harder he is to see. Taking this to its logical extreme, he concludes that if he strips he will be invisible. Hilarity Ensues.
Largo from Megatokyo is a rare male example, preferring to strip to avoid static discharge when working on computers, but not caring who else is in the room. Noteworthy is that Ping, the Robot Girl, is not like this, and is in fact the one who usually beats Largo with brooms for his behavior. Also interestingly, when he is called on this by one of the classroom full of schoolkids he's encouraging to follow his example. He denies any suggestion of impropriety by simultaneously berating the few kids in the class who are calling for the girls to get their kit off for paying more attention to their classmates than the components they are supposed to be working with, thus, for him, the lack of respect is not about the nudity, but not showing the proper repsect/caution for working with your components.
Oddly enough, he still has hair, at least on his head.
In a recent installment of the same webcomic, Miho begins to strip down in front of a very flustered Piro, claiming that "it's nothing he hasn't seen before."
The cast of the furry webcomic Apollo includes 3 centauroids (2 feline and 1 wolf) who only wear tops. Somehow the fact that they wear no pants never comes up, except for an April Fools page where everyone was turned into a human, and the (ex)wolf (along with the two cats only shown from the waist up) simply stares down and shrieks "I'm not wearing any pants!"
Missi from Misfile has very few body-shame issues, but subverts this very hard by pointing out that being naked and being nude are two very different things — she's comfortable being seen nude by Ash, but being naked is straight out. (This is a bit of Shown Their Work — as most nudists will happily explain, there is a difference between being naked and being nude.)
Aylee from Sluggy Freelance fits this trope on the two occasions when she's taken very human-like forms. The first time her nipples and reproductive area (if she had them at all) were covered with scales, falling into the obviously inhuman category. The second time, she actually has "human female naughty parts," though she's able to cover them up with a pair of wings that (when folded) resemble a dress. On both occasions, she doesn't understand why Torg and Riff keep gawking at her new body.
She also doesn't understand why, when riding behind Zoe on a hoverbike, it's not acceptable to grab her breasts.
Aylee: I don't understand! If these aren't handholds, what the heck are they for?
And Oasis is as casual about her nakedness as she is about slaughter. See "Love Potion" and "The Bug, the Witch and the Robot".
Sasha appears to have elements of this too. She has no problem changing out of her clothes in front of Torg, who is far more embarassed than she.
Angora from The Meek. When asked why she's naked, she replies "'Cause I am?" The author has stated she'll start wearing more later in the story.
Maytag: Yeah, but I just don't get it... Your face, your hands, your arms, your legs... It doesn't matter if anyone looks at those bodyparts, correct? [...] But your sexual parts, like your nipples... those have to be private... Why is that?
The fact that Maytag is in an unhappily monogamous relationship with a Stoic lesbian Knight doesn't help. (To clarify, she's really happy with her girlfriend, she just wishes she would become an Innocent Fanservice Girl/Anything That Moves girl too.)
The Inexplicable Adventures of Bob: Since Molly is a vaguely Muppet-like furry monster, she rarely wears clothing, despite actually having a pretty nice figure. Her clone-sister Galatea has taken to wearing clothes, however, which helps tell them apart.
Dominic Deegan's werewolves are nudists (literally called that in comic) and thus follow this trope fairly closely, if only because they can switch to a fur covering anytime they want — the lack of Magic Pants is also a factor. Subverted somewhat in that the less mature guys (and gals) still like to leer at the attractive naked people walking around. (Although the single Werewolf guy we've seen doing this is considered very immature.)
Also played with the human Nimmel, who is going to the biggest Werewolf college. He has become "immune to boobs" — the sight of naked college students walking around no longer causes any reaction, even embarrassment or interest. (The subversion comes when he is still "very affected" by his female [werewolf] friend Katya disrobing in front of him... right after he assured her he wouldn't be affected by it.)
Shelly Mander from Femmegasm is always naked, but doesn't realize there's any problems with it.
Baalah from Pawn. A ridiculously buxom, most likely lesbian, perpetually naked demon girl. She apparently doesn't even own any clothes.
The Satyri from DPRagan's various storyverses combine this with Horny Devil and Metamorphosis. The Satyri are a group of half-human half-succubus victims of a one way Gender Bender (with a little of The Virus mixed in for good measure). For some reason, never explicitly spelled out, part of the Satyri transformation zaps the victim's brain in such a way that they completely and permanently lose all modesty and shame — they literally cannot understand why people wear clothes, the very idea of doing so is utterly alien to them. Worse, as this is a form of what amounts to brain damage, they can never understand the idea no matter how hard they try, nor can they even grasp the viewpoint that their own nudity is somehow considered perverse, erotic, or shocking.
In Pearl of Mer, the Mermaid Arra doesn't think twice of stripping in front of a guy before returning to the ocean.
Web Original
In Tales of MU, the nymphs essentially feed on sexual energy, both to sustain themselves and to vitalize the fields they were created in. Thus, they spend a lot of time having sex, and wearing clothes is a major taboo.
More accurately, wearing clothes itself is not taboo, wearing them around other people is. It is considered amoral and disgusting because it is covering up their gift of beauty, but in private some, such as Amaranth, enjoy wearing clothing for the texture. It would be more analogous to say that Nymph's wearing clothing is like humans going without it.
Deconstructed in his reviews. Being "innocent" and naive gets him raped at least three times and stalked once. His determination for someone to like him led him to trust Spoony again in the charity drive despite Spoony already having drugged and raped him. It's telling that when they all come out again with Linkara being the hero and make Spoony apologize, the others look angry while he just looks broken.
In the Zero Punctuation review of Age of Conan, Yahtzee has a black female called "Thinderella the Necromantic Naturist"
In Family Guy, Brian's attempt to break off his relationship with Jillian prematurely fails when the latter, having just gotten out of the shower, innocently takes off her towel in front of him.
Real Life
Terri Sue Webb from Bend, Oregon was about as close as you can get to this in real life — she's a militant nudist, part of "The Freedom to be Yourself" campaign, which contends that indecent exposure laws are racist against humans. She stopped wearing clothing sometime in 2001, but kept living her life as normal. Unlike in fiction, she was promptly arrested, multiple times, her prison sentences extended due to her refusing to wear clothing in jail, and a judge threw her in an institution, using a legal technicality to prevent her from ever leaving. She was released on appeal in 2003, and has apparently toned things down since then per the advice of several nudist groups in the US.
Andrew Martinez discovered that Berkeley had no indecent exposure laws — it was perfectly legal for him to walk around naked in public, go to college naked, etc. This prompted the city to enact one of the more draconian anti-nudity laws in recent history, the school to find an excuse to expel him, etc.
Notable for doing it to raise awareness about the raw-food lifestyle. Now why people insist any lifestyle choice is inherently a "cause", is another thing.
It does exist in certain situations: In some countries, like Germany or Finland, going completely nude into public, mixed-gender Saunas is pretty much normal, which may surprise people from other places who are used to everyone covering themselves with bathing trunks, bikinis or towels.
Reportedly, Joan of Arc decided it would be a bit pointless to worry much about modesty while travelling with the army, and was therefore frequently at least topless while getting in and out of her armor. Soldiers later testified that they felt no desire for her; whether this meant that she wasn't very attractive or that they did not want to admit to sexual desire for someone who was beloved to the point of worship is up for debate.
Manners and habits were really different in medieval Europe, people were far more comfortable being nude around relatives and servants, or in certain circumstances (such as going bare-naked to the bathhouse from your house).
Vestiphobia — from Latin vestis (clothing) and Greek phobos (fear). A paranoid fear of clothing usually caused by a traumatic experience linked to cloth, it can be as minor as feeling very uncomfortable when wearing certain types of materials to the point of being completely unable to handle getting dressed. One of the most common symptoms of vestiphobia is an overpowering conscious or subconscious desire to remove the offending articles of clothing. Unlike fiction, this is not asfunny as it sounds.
Inverted in Among the White Moon Faces: An Asian-American Memoir of Homelands (1996, pp. 142-145, 149) by Shirley Geok-lin Lim. While searching for an ideal roommate, she accepts an offer from Jason and Brenda Clinken, a nudist couple, and finds their nudity off-putting. *
Her unease is justified by the fact that she didn't find out about their nudism until after she'd already moved in with them.
"Their nakedness was intrusive." — page 143
"May I say something to you? You can't get too prudish with us. You know, a pussy is a pussy. It doesn't mean anything." — Brenda, to Shirley, page 145
In the late 18th century in France, a feral child known as The Wild Boy of Aveyron was found in the woods. Having apparently spent his entire childhood living alone in the forest, he was comfortable without clothes, even playing happily in the snow, naked.
