Kathy Bates in About Schmidt was pretty bad, but I had read that the scene would be in there and expected it. Bates was nude in an earlier movie called At Play at the Fields of the Lord, an attack on Christian missionary work. Her character goes insane and eventually comes out covered only in mud. That is the one of the most disturbing scenes ever filmed.
I'd also have to agree with DigitalMan, there is no need for frontal male nudity.