Nude or Not
Depends on the situation, at home or on a nudebeach then you are not nude but also not dressed. If you are in a public place, like a mall, then you might feel naked, but as long as other people don't see your pubics then you are a little underdressed. If everybody can see your pubics then you are naked.
"If someone is covered with a towel or blanket, but not wearing any clothing, Would you consider them to be nude?"
Returning from the CO beach with just a towel wrapped around me seemed to pass the non-nude test.
If I failed to hold it in place, it was likely to have failed.
The towel meets the code for TV, so wearing it should be considered not nude. That assumes that it is big enough that there is an overlap that the wind could not defeat.
True. From the little I've seen of soap operas, sometimes I think that they spend more on towels than shirts!