It's no argument, that worse is always possible.
I don't have to ask my wife first to know, that it is much more uncomfortable for a woman to have panties just lowered a bit, restricting her movements and being an obstacle, instead of completely removing them, while masturbating. That's actually crystal clear. Also being partly or completely naked is no big deal at all for most people, when they are home alone, but part of the daily routine. The only reason her 2nd masturbation scene happened this way, was the dev having decided to tease and blue ball at the cost of realism. And this is exactly what I was criticizing. Combined with the silly banana in her mouth, this scene was way more ridiculous than hot and therefore wasted.
For men things are more simple of course and not comparable. Any man can fap easily, while wearing his underwear, since boxershorts/trunks usually have an opening.