That's a really weird hill you're trying to die on. Plenty of women, at all levels of experience, have sex without getting their tits out. It's just not a requirement. You don't need a certain skill level to be able to master sex without taking all your clothes off

And it's not about refusing to show someone your boobs but somehow still being okay with having sex (they are not intrinsically linked) - or maybe you're just getting all your knowledge from these games, where you often have to progress in a certain order before you can get to the sex?