I get into arguments with my wife about this. She has the same opinion as you, silver. Actually her's is director specific - basically, in my movies, I could find a way around it, but ti doesn't bother her when she sees it in someone else's film.
My opinion is that it needs to have a reason for being there. If you have a characters walk into the bathroom and get into the shower, and you show them nude ... fine. If you have a character flash nudity for no other reason than to titillate the audience ... no.
It's kind of like saying "if it's done tastefully" with a major difference. Not all tasteful nudity is needed, and not all distatseful nudity is unneeded. For instance, there is a scene in Irreversible where Monica Belucci's character is raped. There is some nudity in that scene. It is distasteful, yet it serves a purpose in that scene ... it is needed.
Of course, there's always the argument of responsibility to your audience. I've had discussions with some people who think that if I place nudity in a movie then I am leading to the loss of sexual innocence of some young child out there. Now, I think this is utter poppycock, but I can see where some might give it merit.
At this moment, I can not say if I will ever have nudity in one of my movies.
Poke