I totally agree with your whole post, kayem77, but this part made me wonder:
What if the clothing was different culture wise somewhere, but in a lesser? For example, in some places in Africa, women walk around topless and it's no big deal because breasts aren't as sexualized there as they are here. I don't think it's sinful that they do that, either. What then? Just wondering out loud. I'm not talking about wearing less clothing in other cultures just because that's the "norm", because in America, that IS the norm but it's in a trying-to-be-sexy-to-people-besides-their-spouse way and that IS sinful.
I don't know if any of that made sense.
Basically, what if the culture requires clothing (or lack thereof) that makes you feel less modest and uncomfortable? Do you (general you) conform, or just stick to most of your own rules of modesty?
I've not done research on this at all, so perhaps for foreigners to do that among tribes is considered offensive and they'd rather you just keep your clothes on, but it just makes me curious.
GLR, I do have an answer to your original question, that will come later. Hope I'm not derailing.