naked towel
Situation in which a person has a towel wrapped around their body, usually when coming in or out of the shower or dipping into a hot spring; can be combined with bottomless/topless female/topless male if the towel is not covering enough.
When the towel is only being used to cover the front, use nude cover instead. If it is only worn around the neck, use nude with towel around neck.
Related tags
This tag implicates towel (learn more).