No, I am an American, native speaker. "Naked" is just a general word that can be used for anyone (or anything), any time they're, well, naked! lol. When I get in and out of the shower, I'm naked. When I change clothes I'm naked for a moment.

Nude is PRETTY much the same thing, however is usually used in phrases such as "nude beaches" (places where it's okay to be naked), the color "nude" (tan-ish skin color, usually used for hosiery or similar things), or artists making nude portraits. I guess technically people might refer to porno flicks as people being nude, but you could just as easily refer to them as naked, since it's more general.

There is absolutely zero correlation between gender and nude vs. naked. It's a generalized vs. specific thing.

That is not my understanding.

Yes, I just did a google search and it appears that the definition for which I was taught is no longer before utilized as far as I can see. So, it appears now that being nude is the art of being naked artistically. I am not see any gender references at all. Thanks for your reply.

Conversational patterns about the body and possible sexual connotations can change rapidly.

Well, I will continue to be old school and refer to an unclothed woman as nude and an unclothed man as naked. Since this is not incorrect grammatically to do so, it is a style preference consistent with the way I was taught.