A.k.a. thighs --- a guy can temporarily hide his "junk" by tucking it back behind him and then pressing his thighs together, so that he is at least a little more "decent" if he's unexpectedly "caught in the buff".
A gal doesn't really have much of anything particularly "obvious" to hide "down there", so she wouldn't need built-in swimming-trunks; now, if only she had something "up top" to hide da "baby-feeders" in an emergency... I guess her arms and hands can sometimes adequately suffice, although that is usually only effective if she's fairly "small" in the "girly" department.
A Shackteau is a humble, weather-beaten, structurally questionable shelter located in a spectacular or highly coveted place—Wales, Jackson Hole, Sun Valley, Crested Butte, coastal Maine, the Alps—where the building itself may be worth almost nothing, but the dirt, view, access, and mythology make it absurdly valuable.
In use:
Shackteâu - We thought it was an abandoned shed until the realtor called it a rare alpine Shackteâu with unobstructed views and listed it for $2 million.