I had a roommate way back when who told us once about a situation, the exact situation I did not want to find myself in.
When he was growing up, the family pediatrician was female. This doesn't make much difference to little kids, but once he and his sister got to high school, he started running into situations. At his annual physical, he was asked to remove his pants, and hesitated because he was embarrassed. Not embarrassed by his equipment, but by its current state. He apologized to her half-heartedly and said something like "Usually when I take my pants off for a pretty woman, I get to use it."
Mom and the doctor later conferred and decided that the kids were old enough to go to a regular MD, not a pediatrician anymore.