1. There is a special place in my twisted heart for pictures where the female subject is quite obviously nude...but you still can't see any of the fun bits. So I offer this challenge: a picture of you, from the front, clearly naked, but with objects somehow "accidentally" obstructing the view of your nipples and crotch.
2. A picture of you naked (shoes OK), beside a urinal. I know that one of your limits is "no public", but you should be able to find either a gender-confused restroom, or a low-traffic mens room where you could lock the door for a couple of minutes to do the picture.