I remember once, at the first gym I ever joined, a YMCA, I finished my workout and went into the locker room and there was an old guy just sitting on a bench, reading a magazine, totally naked. I opened up my locker, grabbed my towel and soap, went back to the showers, took a shower, dried off, came back to my locker, got dressed, went over to the mirrors, combed my hair, zipped up my gym bag, and left–at which time the old guy was still sitting there reading his magazine naked.
I’m a Gen-Xer, and while I don’t do anything crazily modest like try to change my underwear with my towel around my waist, I generally try to minimize the amount of time I spend with my genitals exposed. For example, when I arrive in the locker room, first I’ll look for an empty locker, then put my gym bag down on the bench, open it, and set my gym clothes out. Then I’ll take off my shirt, hang it in the locker, and put on my gym shirt. Then I’ll take off my shoes, then my pants and hang them in the locker. Then I’ll take off my underpants and put on my gym underpants, then my gym shorts. That kind of thing.
The difference with the old guys is that they seem to almost intentionally maximize the amount of time they spend naked. I’ve seen old guys come into the locker room, plop their gym bag down on a random bench, and immediately strip down completely naked. Then they start hunting for an empty locker, then they hang their street clothes in it, then open up their gym bag and start rummaging around getting their gym clothes out. Then and only then do they start getting dressed again. I really don’t understand that mentality. It’s like their #1 priority is being completely naked for as long as possible.