[EliRivers]

haven't thought or heard the argument of the other side

I think this is a (the?) fundamental issue here; you're beginning from a place of needing to be told its OK to be naked near a child. That there needs to be a strong reason, a defensible argument just to have no clothes on near a child. There's an assumption in this thinking that by default, it's simply bad to be naked near a child - an assumption that's entirely cultural and learned. Cultures that don't have this hang-up don't have a strong argument for it - they just think it's crazy that your culture is so weird ("WEIRD", one might say) about it for no good reason.