My primary doctor is male and I prefer to see a male doctor. The clinic I go to is ran by a medical school so the doctors in the clinic always seem to be changing. I've had to see other doctors at the clinic both male and female and it hasn't made me uncomfortable but I have never had to drop my undies in front of them. That being said, I had a physical at age 25 and my doctor made me disrobe and I felt very uncomfortable. I can't imagine any doctor, male or female, doing an exam down there and me being all that happy about it. Anytime I'm naked and the other person is clothed it is going to feel awkward.