Yep, I always have a towel and try to get my undies and bra on while being covered.. doesn't work, too well, so I just be naked for a little bit.
like 99% of people try to be somewhat covered. If you're shy and don't want to do that, there are changing rooms where you can get dressed properly
Like if there's a bunch of people all around you, like right beside you, you don't really just throw off your towel, you try to cover up at least a little so it's not awkward.
But uh yeah I've seen old women walking around naked, saggy **** and bush and everything like it's no ones business.
I heard that in the guys locker room, guys are like walking around towel drying their hair while their junk flaps all over the place, haha, but I think girls are a little bit more shy