Actors are separated all the time.
I'm pretty sure I would never do a full frontal in a movie - for personal reasons, I wouldn't really want to show that.
A film set is really delicate and people treat you very very well if you're an actor because they want you to be as comfortable as possible for you to do your work, but it really is just one in a team of many and usually 150 people.
I have only really gotten by with playing versions of myself as most young actors do.
There are definitely reasons to do certain things, but I like to stick to good director, good actor, good script.