I am convinced as well that most modern Christians, if they were dropped by a time machine into a first century Judean or Galilean family, would be absolutely appalled at the cultural standards and family values. These same Christians decry the cultural standards prevalent in much of the modern middle-east and yet they are virtually indistinguishable from biblical standards.
Yes. In those days, there's some evidence (including in Scripture) that men (at least fishermen) worked naked, for instance. Today many would be appalled. Ditto for women breastfeeding in public - then, there was no formula nor refrigeration nor breast pumps. Ditto for women going braless - bras weren't invented until a little over a century ago.
Conversely, most of today's Christian's don't bat an eye when a Christian is undressed in front of a doctor or nurse or other medical professional of the opposite sex, or an emergency-services person.
Regarding the topics of skinny-dipping or going topless, for most Christians, even the most on-fire (like myself) accept nudity in front of the opposite sex, in the instances I mentioned in my previous paragraph. The only issue, therefore, is the criteria used to justify that nudity. If there is a bonafide Scriptural injunction against nudity, then it ought to be universally accepted and obeyed. If there are exceptions, then it's not a universal prohibition, and the criteria are open to debate, being subjective.
It's not an issue of immodesty - because if that were the case, then nudity before medical people etc. would be prohibited.
If the issue is raised that it would automatically arouse lust in the other people - then the same should apply in the case of medical professionals. Most people rationalise that because medical professionals see nudity all the time, that they aren't stirred to lust - but the same rationale could apply to men who are used to seeing topless women on the beach etc. and because it's common, don't make particular note of it.
Of course, I recognize that there's a time and a place for everything; I can't envision a woman going to a Western-culture church topless - but a pastor/missionary friend of mine has said that when he was in the Phillippines and went to a mountain village to preach to tribal people there, women did come to church topless, and breast-fed their babies, and no one thought anything of it - except it kind of shook him a bit.