Frankly speaking - if I'm in a changing room, I will be naked at some point while I change - that is a given fact. and if I forget my shampoo in the shower, I will not get dressed to go back and get it - especially if I've taken my shower and changed out of my swimming trunks. Now, I will carry a towel along with me, but if some manchooses to walk around naked in the men's changing room - its not my place to tell him to cover up - that's just rude!