Big deal – you’re obviously right about making brochos when some (say all) of your body is uncovered – think of a woman at mikvah. I was told to use my arms to make a divider in my body below the heart level and everything below.
The problem is only for a man to see ervah while learning or daavening. Women can make brochos when seeing other uncovered women, although they may want to avert/close their eyes just to have some kavana.
The cutting nails is more of an issue though.