I've had the same doctor for more than 20 years. Full physical is always completely nude. After the main physical, I get dressed again except fot the shirt and then the nurse comes in and does the EKG, after which I finish getting dressed, leave the urine sample in the bathroom and then go to the reception desk to get make a payment and get my payment receipt as well as schedule any follow up visits. Checkups for other things vary on what is being checked for what clothing items are removed.