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Should you take your clothes off?
In our experience, there are only two types of models - those who are happy to be photographed without their clothes, and those who are not.
So, the short answer to the question is that if you're happy with nude photography fine, but don't do it unless you are happy with it.
If you're not happy about it, make sure BEFORE you take on any modelling assignment that you won't be expected to pose nude or topless. And decide, in advance, exactly what you're happy with - and don't let anyone talk you into something that you're not happy about.
The longer answer is that except for Lingerie fashion, most fashion photography is fully clothed. With lingerie fashion you will not be photographed nude but you must expect to get changed without leaving the set if you are one of several models - there simply isn't time for models to disappear into a changing room to change when a large number of shots are being taken. The normal arrangement is for a female assistant to stand just out of shot and hand out changes of clothes. Nobody there will even glance at your body and most people don't have a problem with this type of modelling, but if you do have a problem with it don't take on a lingerie job!
A changing room (or at the very least, a screen) should always be available but the waste of time involved in using it may be enough to make sure that you never get booked again. This does not apply (in our own studio) where only one model is involved, because the process of getting changed is much quicker - although most of our models don't bother to use the changing facilities.
Most advertising & commercial photography is also fully clothed, but if you look in almost any magazine you could find adverts which do have a nude or partly-nude model there, to catch the eye. These photographs are never explicit and would not be published if they actually showed anything.
At the time of writing, nudity is very much 'out' as far as most publications are concerned, or perhaps clients are deciding against it because they want to be seen to be politically correct.
With every modelling job offered to you, you really must find out exactly what is involved before deciding whether you want the job.