Heh, ok, I don't think we're quite there yet. Here's an example. I draw it from my own work because no D&D product I own features nudity (reason for which I voted option 4).
In the Abyssal Campaign (link in my sig, no big spoiler follows), at a certain point the characters will encounter a prisoner in an Abyssal fortress/prison. I wanted to emphasize the sheer inhuman cruelty of the tanar'ri towards their prisoners; one of many big and small elements I used to this end is that prisoners are stripped of all possessions and given a single loincloth to cover themselves. The afore-mentioned prisoner, when the PCs meet him, has suffered a very serious wound and he was forced to use the loincloth as a bandage; as a result, he is completely naked.
Here are some observations: first of all, that encounter has absolutely nothing even remotely approaching sexual about it. The NPC is the portrait of misery, completely unattractive for anyone, and has lots of more important things to worry about. Second, the nudity made sense in the circumstance - actually, avoiding it would have required a bit of plot-bending. I could have done it, but why?
Third, and this is the point, I am terrible at drawing and the adventure has no illustrations (save for maps). Does that mean that there is no nudity in the adventure? No. There is. Not in the illustrations, but in the plot. That's what I mean when I say that art is more than just drawings.
If I had a skilled artist, would I ask him to draw the encounter with the NPC? Maybe. Maybe not. It's a rather dramatic moment, but there are so many things in the campaign that I'd like to have a drawing of. But certainly, considerations that are purely marketing in nature would not influence my choice.