My tale comes in 2 parts and is different from the rest.
I come from a time when you were a virgin up to your wedding night. I joined the forces and had the medical, 30 odd teens in a room naked, with females dr and nurses present. This was the first time I had been naked in front of a woman of the same age as me. It was a full physical.
When I got married we moved to German. Any sex was done in the dark and the most I had seen of my wife was when she was in her underwear. She thought she was pregnant so I took her to the local dr. We sat in the reception and waited until a nurse came out of the dr room and called her name. I was a prepared to wait as you did in the UK but the nurse beckoned me into the room. Confused I followed, the nurse who spoke good English told my wife to undress, looking at me she said no, which was no good as the nurse just carried on undressing her. She was down to her underwear and that was where she thought it would end, but several sharp words by the nurse and she resigned herself to be naked. When she was, she was maneuvered by the nurse to sit on a paper towel that covered a chair by the dr.
My wife was bright red with genuine embarrassment, and a look of thunder because I was obviously enjoying the situation. After the questions came the exam, and I did not know that was what they did to women. The exam came to an end and she was lead back to the chair still naked when he said she was pregnant.
She got up and got dressed and we left. After that our sex life rocketed, we had sex in the outdoors, in the light and watched porn films to get tips.