Figure, fitness competitors should be sexy, and have great pictures, but when you start taking topless or nude pictures, that is another venue, and you should think about it if that is what you want to do. I prefer the more sexy pics, that lets you imagine, but are creative and artistic. Those are sometimes the best shots. Hot, sexy, and creative. Like Flex's newest issue with 8 figure and fitness competitors up in the snow and in the hot tub. Excellent pictures, and smoking.
There are many models here in Southern California that pose nude, hell, the porn captital of the world is only 10 minutes away from me, and I have been on a number of those shoots in the past, plus more.
Now, that doesnt mean a girl cant be topless or nude, and you take a great picture, just not it being x-rated.