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 very 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. This subtype is so overwhelmingly commonplace with these inhuman characters that it usually does not come into play at all, making it an Averted Trope.
... Until they shape shift into a normal human shape for a while, that is. At that point, the character's nudity is a very serious problem that must be addressed, immediately.
In a more meta sense, this trope is also frequently used to reveal that the character has an entirely different, unusual mindset:
The Emotionless Girl and Robot Girl may genuinely not understand what everyone's getting upset about. (Showing a lack of humanity.)
The local goddess-avatar might not fully understand why this "nudity" thing is getting in the way of proper worship, but it had better stop. (Showing a loftier set of priorities.)
The Sugar And Ice Girl and Genki Girl might not understand why the Childhood Friend is getting upset — after all, they've been together for years, right? (Showing how close she considers the main character.) As a common evolution of this sub-trope, the first outward symptom of a growing attraction or romantic awareness is when she does start caring that he is watching, or when he begins to become flustered.
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.
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 censorship reasons.)
Closely related to Shameless Fanservice Girl, a character without a nudity taboo but who still understands the concept, and Reluctant Fanservice Girl, a character with a nudity taboo thrust into a universe that conspires to make her show as much skin as possible. Our Nudity Is Different is when there is a nudity taboo, but it's different enough that the character is naked by the local standard.
Ranma himself frequently runs topless in girl form, especially in the early episodes. For obvious reasons he lacks feminine modesty.
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 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.
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.
At the end of the first episode of Kashimashi: Girl Meets Girl, Hazumu, who has just been transformed into a girl, is naked when Tomari and Yasuna see him (or rather, her). Hazumu, however had no reaction to the fact that she was naked, because she just regained consciousness. In the next episode, the Innocent Fanservice Girl behavior is justified as she just turned into a girl and is therefore unfamiliar with how they should act, such as using her skirt to cool her legs, and asking Asuta to measure her bust size (as seen in the second episode).
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). 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 nudity may be innocent, Mamiko's personality most certainlyisn't.
Miharu and every human resident of the alien world Seiren from Girls Bravo have absolutely no restraint regarding nudity due to their planet being composed of (apparently heterosexual) women. This lets the show completely indulge in every kind of Fanservice imaginable.
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. Other people of her race (including her family members) do not seem to share this lack of a nudity taboo.
In Mobile Suit 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.
A certain portion of the fandom loves to peg Ukraine as this due to her Naïve Everygirl status, but in-series this is played with. She is very prone to being the subject of Gainaxing and the Male Gaze, but she's shown to be very awareof her "large tracts of land" and still dresses rather conservatively, even sewing on buttons that keep falling off of her shirt rather than showing much cleavage and politely declining to wear a Stripperiffic dress.
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.
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 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.
Mikiri in Change 123. Having the mind of a Cheerful Child, she sees nothing wrong in answering the door wearing nothing but panties and a towel casually thrown over her breasts.
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).
Niche often goes commando, and she also tends to leap around a lot (she's quite powerful), leaving for gratuitous bare-bottomed upskirts.
Her older twin sister is much worse.
Night Tenjo from Absolute Boyfriend is another rare male example, being 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. When she and Shinji first meet outside public, it's because he went to her apartment to deliver something. She had just gotten out of the shower, and when Shinji accidentally falls on her and grabs her breast, she's slightly annoyed by the fact that he fell on her, but completely indifferent about being seen naked.
A similar thing happens when Marinearly suffocates him with her breats after one particularly random Crash-Into Hello and her reaction basically amounts to "Oh, sorry, are you hurt?" with no sexual embarassment involved. In both cases, it's less for Fanservice/Ship Tease than it is to characterize the females involved. Both Mari and Rei are detached, solitary girls who are somewhat lacking in the social skills department, in Rei's case, because she's an Artificial Human who was raised in a lab.
Professor Kiyama Harumi has no hang ups about removing her clothes in the middle of the street for flimsy reasons.
Also, the Sisters. One of them is shown coming out of cloning vat and making no effort to cover herself until given a hospital gown to wear. One of the scientists present comments that her utter lack of embarrassment is embarrassing in the first place. Even after that, one of the ways of telling the clones from the original is that, unlike Mikoto, they don't wear shorts under their skirts... and, unlike Mikoto, won't electrocute you for checking. Justified as they are intentionally created as Emotionless Girl, both to cut on cost and to avoid conflicts between their own desired and their primary mission - being horrifically killed by Accelerator
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. The second chapter is much the same. After a while, they just stop trying to justify it. Author Appeal at its most blatant (much like the rest of the series).
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, considering the very universe itself conspires to steal her clothing at every opportunity.
Tima of 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.
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.
Sakuraba Yurika of Gacha Gacha 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. 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.
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. Not that any of the few non-Witches seem to care, either. Yoshika's school friend, as well as pre-Witch training Yoshika, wear school swimsuits under a sailor top, and Research and Development's Ursula Hartmann is similarly exposed.
Military servicewoman Jodie Bakuryu-Karen from Kochikame has no issue shown in her debut appearance. She attempts to take off her shirt in front her father and other men preparing for a shower and steps out of the door naked requesting a towel. Hard for Volvo for not being good with women always getting a nosebleed.
Ranmaru, from the yaoi manga and OVA adaptation Ikoku Irokoi Romantan, is an Innocent Fanservice Guy, much to the delight of his love interest and the female audience.
Holo in Spice and Wolf, being a wolfy goddess of the harvest and not bound to human conventions, spends a good portion of the first episode in the nude.
Two examples pop up in Outlaw Star: the first is Melfina, who is not only Naked on Arrival but also has to be nude when she's plugged into the ship because... some reason having to do with the fact that she's a gynoid. Those times aside, she's usually fairly well covered up, and only gets cutely embarrassed when her nudity is bluntly pointed out. On the other hand, Aisha Clan-Clan of the Ctarl-Ctarl is the resident member of a Proud Warrior Race whose particular hat is near-invulnerability; as such her race has few compulsions against showing some skin, up to and including going to a hot-spring and never caring about covering up with a towel.
In The Melancholy of Haruhi Suzumiya, Haruhi herself is a strange case. She doesn't, strictly speaking, fit any of the accepted types, but is technically closest to an Emotionless Girl since, in Kyon's words, she seems to "view guys on the same level as potatoes," as evidenced by her beginning to change into her gym uniform before any of the boys have vacated the classroom. Later on, however, the feelings that she's developing (and trying desperately to pretend don't exist) for Kyon make her refuse to change outfits if he's in the clubroom, and in an even more drastic departure, after they get soaked by the rain in "Remote Island Syndrome", she takes off her shirt and wrings it out, but changes her mind about doing the same with her bra... even though they're seperated by a rock wall and he can't even see her.
Luffy from One Piece doesn't mind showing his naked body to a huge group of girls and even bluntly answering their questions about his genitals (because the girls in question have never seen a man before). Of course, that scene could be interpreted as him being proud of his manhood, but since Luffy is an extreme Chaste Hero, it is for sure just a child-like lack of body shyness.
Kagerou Project: A male example: Haruka Kokonose, resident Ill Boy and Cloud Cuckoo Lander. After falling into a fountain while petting a cat, he strips down to nothing (underwear aside) in the classroom. And doesn't seem to get why his friend (and only classmate) Takane is freaking out so much. Even when he has it spelled out for him, Haruka still seems oblivious to exactly what he did wrong. Did we mention that this scene is his introduction (in the novels)?
In Pokémon Special, Y has no issue with nudity around her friends, whether it be her or with them, much to their chagrin. She has attempted to strip her friends, and she once was about to take off her flight suit in front of them before she was pushed into a tent. Keep in mind in takes her at least twenty minutes to change in or out of that suit.
In Umi Monogatari, Marin's skimpy clothing is commented on when she first comes ashore, though Kanon eventually gets her and Urin to wear something a little less revealing.
Storm of the X-Men comes from an African tribe with National Geographic Nudity aplenty; in fact, in her very first appearance, she was topless and wore a sort of long loincloth. Not only that, but her mutant powers included a physical immunity to weather extremes, so she had no qualms going naked in New York in the dead of winter. However, she eventually grew accustomed to Western norms, so the issue never comes up anymore. Except for the time when she was sunbathing topless and Gambit's students were trying to get a look... it's hard to change old habits entirely.
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 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.
Prysm (a character from Dan Jurgens' '90s run) had her nudity on display as her default appearance, due to the mutation from her alien blood causing her to appear as an abstract, vaguely humanoid figure made out of translucent crystal.
Male Example: Doctor Manhattan from Watchmen. 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, obviously the CGI artists were taking great pride in their work on Lower Manhattan.
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 to total (usually nonsexual) nudity, so what better costume for Birthday Girl? Her superpowers are 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. Both her and her partner are usually clothed when outside, but whenever they're in their home they have no qualms with shedding clothing and strolling around bare naked. Results in plenty of 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 (the female AquamanExpy) is a Wild Child, having lived in the sea ever since her parents abandoned her there as an infant. Princess Zarda (the Wonder WomanExpy) essentially sees herself as a god who's above silly human customs. 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).
Another male example is Catman of the Secret Six. Though he understands and still respects the cultural need for clothing, he has absolutely no taboo about running around naked after his time living among a pride of lions.
The comic strip Little Annie Fanny featured a feather brained young blonde with big breasts who always lost her clothes in awkward situations.
In the old Dragon magazine comic strip, Snarf Quest by Larry Elmore, Snarf hooks up with Telerie Windyarm, an Action Girl 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.
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 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. Though this is justified by her alien customs of her species having no problem being nude while in their home.
In erotic fanfictions for the franchise, it is a popular theme in "Human in Equestria" (second-person variant is also referred to as "Anon in Equestria" on 4chan) type of stories, where lack of nudity taboo among ponies is often discussed, and human protagonists can usually see everypony's private parts all the time (since in this kind of stories, unlike in the show, the characters are anatomically correct, for obvious reasons).
In Mass Effect The Equestrian Equation, ponies, at the beginning of Shades of Twilight, walk around without any covering, despite being like Earth horses and having private bits. It takes Rarity pointing out that many other species are disturbed by this to get the ponies to cover up.
In A Twilight Landing a now human Twilight Sparkle fumbles into this trope a few times. Having until recently been a unicorn whose default dress code is "nude" it takes her forgetting to dress up after a shower a few times before she remembers to be dressed all the time. It causes the human giving her shelter, Jo, to be Mistaken for Gay a few times. Ironically, this may be a subversion, as despite their lack of nudity taboos, ponies are complete prudes. When Twilight learns just how sex-crazed humans are in comparison, and of the many, many pieces of Rule34 pony fanart, she is horrified.
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.
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.
Leeloo in The Fifth Element has no problem changing her clothes in front of men (who hurriedly turn around so that they're not looking).
Korben: Coffee? Father Cornelious: Yes, please. Leeloo: (wringing out her shirt) Autowash!
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."
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, although this is of course due to her not being properly human.
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.
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.
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.
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 obliviousnote she may even be taking advantage of Distracted by the Sexy[[//note]]. Was apparently the inspiration for Species, also about an alien femme fatale who takes on the appearance of a hawt human babe.
In Splice the uncanny valley 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.
In the original trilogy of X-Men films, mutant shapeshifter Mystique goes naked in her natural form (human, except with blue skin and yellow eyes).
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.
In Alien Visitor, a.k.a. Epsilon, an alien woman teleports to Earth naked. She is apparently immune to temperature, since she wanders through the desert for a day and night without being bothered by it. She runs into a man who goes Please Put Some Clothes On. She gets confused and says she doesn't see the point, but complies to get him to quit bugging her about it.
In Robot Jox, a bystander is quite surprised to see Athena stripping down and showering with her male counterparts, with none of them so much as looking at each others' nudity, in a scene similar to the aforementioned one in Starship Troopers. Instead of soldiers, Athena and the others were raised together and are pretty much non-caring of anything except piloting.
Tarzan doesn't wear clothes even as an adult in a few of Edgar Rice Burroughs's original novels, calling them "a hindrance and a bother".
The original The Jungle Book: Mowgli was 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 11, and later on, after he's spent 6 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...
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. Instead, she rebelled and ran off.
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. This is used for character development. The werewolves are initially awkward college students trying to look tough. As time goes on and they get used to their powers they all become much fitter and several of them enjoy having an excuse to show off. When matters are serious they're all business, though. Molly was this before she realized her effect on others. It's part of why Harry is very, very uncomfortable with her hitting on him later in the series.
Subverted with Proud Warrior Race Girl Kitai from the same author's Codex Alera series — 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 Dragon Lance 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.
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 Cloudcuckoolander 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.
In the Firekeeper Saga, 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 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.
The same gag is used in Shienar, where there's a tradition of mixed-gender communal bathing. Rand is likewise targeted by every female around, because they want to see him blush.
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.
Aphrael from The Elenium is of the Goddess type. When she takes on mortal form, she stays clothed (thankfully, since her preferred form is that of a six-year-old girl), but whenever she has to revert to her real form, she sees no reason to bother with clothing — much to the consternation of Sparhawk.
Kas, the main viewpoint character of Henry Sackerman's The Love Bomb, is a Human Alien from a clothing-optional culture. This is both Played for LaughsandPlayed for Drama, as he's arrested for indecent exposure several times.
John Carter of Mars: Dejah Thoris. And all the other women of Barsoom. And the men. The various Barsoomian 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.
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.
In Being A Green Mother, when Orb becomes the new Gaea, she finds the role comes with invulnerability and immunity to heat and cold. At one point, she becomes so used to this that the other characters have to point out to her that she's naked. Afterwards, she becomes more careful and remembers to check herself.
In The Stainless Steel Rat Gets Drafted when the conscripts are ordered to undress by their sergeant, Jim finds himself alone in the middle of the floor as there's No Nudity Taboo on his planet, so he quickly moves to the walls to hide the fact that he's an offworlder.
Towards the end of the Venus Prime series, Sparta abandons her clothing, having been altered to the point where she no longer needs a spacesuit, even in the vacuum of space. Some of her human companions are a little unnerved by this.
The eponymous protagonist of Geoph Essex's Jackrabbit Messiah has zero qualms about stripping down anywhere (in his hospital room, or at the top of a hundred-storey building), any time (before a press conference, or just before going off to take on the Big Bad), in front of anybody (the cops and his shrink, or tourists and staff), usually in his zeal to get his trademarkoutfit back on. Being a homeless, cheerful paranoid schizophrenic who's also a god who has to save the world, he has entirely different priorities.
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. 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.
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 has shown these tendencies in many incarnations. The Eighth Doctor spends quite some time wandering around with amnesia and wearing nothing but a sheet, the Tenth Doctor was too busy saving the world once to care about being stark naked, and the Eleventh finds himself face to face with danger when he's in the shower and only has time to grab a towel. The Eleventh Doctor also doesn't care much about whether or not his companions see him naked, telling them to just look away if it bothers them (one of them does).
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).
In an episode of Night Court (of all places) a young, attractive woman is brought in on an indecent exposure charge; as it turns out, she is royalty from a small island nation where nudity isn't a taboo. The culture gap — among other things — causes a lot of trouble over the course of the episode; when Harry brings her into his office and tells her to "make herself comfortable", she actually takes her top off.
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. In the Terminator-verse, you can't take anything with you, so you're 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 it's quite clear that she simply doesn't care what others are seeing.
In Seinfeld episode "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 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".
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. 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. This scene, which is played for laughs, actually leads to some very Unfortunate Implications for the former Borg drone who, understandably, has severe emotional trauma from being assimilated — a process often and rather justifiably compared to rape.
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.
An episode of Kenan & Kel had a naked fat man try to apply for a job at Rigby's. Kenan, Kel, and Chris are disgusted and try to get the man to put on some clothes or go away, but he claims not to understand what the problem is. Kel did however start to like him once he found out the man likes Orange Soda.
Sydney Fox of Relic Hunter. She has no problem with changing clothes in public or strangers seeing her in her underwear. When her mission leads her to a nudist resort, she is completely comfortable going naked. In one episode she insists on sharing a shower with her assistant Nigel (there is no sexual intent, she is just really dirty and needs to clean up fast). Nigel ends up waiting outside the bathroom door, wrapped in a towel, while Sydney keeps asking him to come back in and join her, saying that bathing with people of the opposite sex is a great way to relax.
Bitten has it that werewolves are very comfortable naked. Justified by the fact their clothes don't change with them and they have to undress if they don't want to ruin them.
The Tales from the Darkside episode "Ring Around The Redhead" has Keena, a girl from another dimension who is a scientific genius and Space-Time Master, but very ignorant of human culture, like when she casually exposes herself to Billy.
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 the Forgotten Realms normally don't see any problems with nudity, and humans who dealt with them too much (including the 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 the ladies of Evereska (Return of the Archwizards), the discovery that men who see them swimming start to breathe heavily was rather disconcerting.
This is one of the traits of the Drow, depending on the source. The Drow are so supremely vain that it's considered proper form to wear as little as possible except during special occasions; after all, with "perfect" bodies, wearing clothes obviously just means you're hiding something. "Special Occasions" does not always include "interacting with outsiders", nor "armed combat." The fact that the Drow are the go-to race for Evil Is Sexy, and that their formal religious wear is a mixture of dominatrix gear and spiderwebs might have something to do with it. Drow also got Eilistraee — as one of the authors put it, "goddess of butt-neckid moon dance".
The Nazzadi in Cthulhu Tech have no nudity taboo, and are scantily-clad as a general rule.
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.
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 (and Dhorn guards will arrest you if they see you like this), but some of the NPC's responses when you talk to them nude are just hysterical.
Felicia 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, 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. The designers are well aware of this too, as Felicia's "Dancing Flash" super move involves a barrage of kicks and scratches to her opponent. At one point, she delivers a high kick that leaves her butt fully exposed to the player. Her right hand just so conveniently drops down to her waist in order to censor it for that split second right before she uses it to scratch again.
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. Basically, they wear "clothes" for society's sake.
Lucia 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. The 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 Magic School Lunar!!, the main character, Elie, is even more willing to show up naked in cutscenes than Lucia is, if you can believe that.
In the case of Midna, the resident Imp from The Legend of Zelda: Twilight Princess, it's hard to tell if she's wearing skintight clothing or is naked with patches of lighter and darker skin. But she is a small, round-ish imp with only hints of a feminine physique, so it's ambiguous as to whether or not she's intentional fanservice. She does however gets bumped up to clear-cut fanservice at the end of the game.
The Handmaiden from Knights of the Old Republic II. 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.
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.
Cortana 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.
Some other holograms are clothed, but as it is implied that there are far more than the player sees in the games it is uncertain whether she or they are the anomalies. Possibly someConstructs simply don't have a nudity taboo programmed in, and as they aren't real humans the rules don't apply.
The hologram avatars that A.I. constructs use are largely picked by the A.I. to suit the A.I.'s job, according to the novels. For instance, Mack from Contact Harvest, an A.I. responsible for the operation of tractors, combines and other equipment to harvest crops, appears to be dressed in a plaid shirt with overalls and a wide-brimmed straw hat. His avatar is what a person would expect to see. Cortana's responsibility is to assist Master Chief. If you're familiar with their interactions, the way she decides to look makes much more sense.
Either this is the case of every female warrior in the Outworld of the Mortal Kombat franchise, or Stripperific outfits are a dress code for females who work for Shao Kahn. (Of course, even his outfit is pretty skimpy, so the former is likely.)
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, Flora, a Tiger-girl from a Rainforest tribe 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 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) 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. Later on, she comes up with the ploy of startling any would-be assassin that would barge in her train compartment by wearing just a Modesty Towel.
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 Ménage à 3, is a hybrid between Ms. Fanservice and Innocent Fanservice Girl. She has little in the way of a nudity taboo, and has no problems with other women walking in on her in the shower, or with walking around both her roommates in translucent lingerie. She's just about bright enough to understand that habitual public nudity would be socially unacceptable, but she really isn't worried about it. She also seems to know that people find her gorgeous, but not to be quite aware how gorgeous. Her general choice of clothing often verges as fanservice, but is mostly treated as innocent. However, she knows what sort of effect she can achieve (on guys, and she was pleased to note, also on some women) with a Little Black Dress. Ironically, on one occasion when she actually tried to use naked physical beauty to entice a guy, it didn't work.
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. It kind of works. Men turn away from him in disgust. His friends object, though... well, most of them do; Haley expresses an interest in checking out what an 18 Charisma is like "under the hood", so to speak.
Largo, preferring to strip to avoid static discharge when working on computers, but not caring who else is in the room. 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.
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 9 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.)
Myan from Cat Nine when in her Cat Girl form. She's much more surprised about her lack of fur than the fact that she isn't a cat anymore and she's naked.
Aylee 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.
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 werewolves are nudists (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 DP Ragan'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 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.
The dryad Eland Em Tor from Our Little Adventure shows up completely naked in the comic. It seems so innocent that not even the male group members say anything about it. To be fair, she's about as anatomically correct as a child's doll.
Since the female dragons in Dragon City have their private parts under their tails, they walk around naked (male dragons do not have this luxury) and so when one of the turns into a human, they often overlook the fact that they're naked. That is until a human points it out.
A Nerf NOW!! strip explains that the reason Slithice of Dota 2 always goes around topless is because nobody told her about the surface dress code. Slardar pings her to try to warn her about it all the time... but because all he could say was "top is missing" she mistook it for a lane instruction.
In Suburban Knights, The Nostalgia Critic had no idea how mini his skirt is until it was pointed out to him. Obscurus Lupa and The Nostalgia Chick have to teach him to act like a "lady". 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.
Another Doug character, Chester A. Bum is another deconstruction, not even played for fanservice like Critic. Being homeless and often drug-addled, he unwillingly gets into off-screen situations like prostitution fairly often.
In Potter Puppet Pals, Dumbledore, being a senile old man, often gets naked without a care in the world. Dumbledore, as a distinctly anatomically incorrect puppet, probably does not qualify as Fanservice for any demographic. The nudity is baldly irrelevant to the plot, and rarely (if ever) referenced by any of the characters—the character appears naked simply because he as a senile, elderly lunatic, and everyone accepts him as such.
In the Global Guardians PBEM Universe, the heroic Jungle Boy was raised by gorillas in the jungles of Africa. Now that he's living in Los Angeles as a superhero, he has to be constantly reminded that its generally considered unacceptable to fight crime while in the nude.
Subverted with Website/Youtube star Hannah Minx, who likes to give the impression that she's this, even though she knows exactly what she's doing. It works on some of her less perspective viewers.
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.
Justice League has Wonder Woman surprised and angry when a journalist with an agenda wonders how she can be a role model because of how much skin she shows.
Inverted in My Little Pony: Friendship Is Magic at one point with Rarity. She's horrified at the prospect of Spike being in the room with them while they're getting dressed, only for Applejack to point out that they don't normally wear clothes. Even with this pointed out to her, she's still clearly uncomfortable with the idea.
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 normal, which may surprise people from other places who are used to everyone covering themselves with bathing trunks, bikinis or towels.
As a general thing, nude beaches and pools are very common in Germany. In Eastern Germany, nude sports and swimming were something of a national sport until the Reunification and still remain more popular there than elsewhere.
Apparently there was a forest in East Germany where people went naked as form of protest against the Communist government (when you're naked you can't carry your identity papers). After an initial attempt to crack down failed the authorities turned a blind eye, until reunification when (ironically enough) the authorities put an end to the practice due to complaints by tourists from former West Germany.
Reportedly, Joan of Arc decided it would be a bit pointless to worry much about modesty while travelling with the French army, and was therefore frequently at least topless in front of them 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 as funny as it sounds.
Inverted in Among the White Moon Faces: An Asian-American Memoir of Homelands (1996, pp. 142-146, 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. [[note]]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 146
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.
In a few cultures, it is acceptable for children to go nude. Usually, they are too young to care.