OK. You’re gonna lose $100-$200 worth of crap in your car and possibly pay out a $1000 deductible. How does it remotely compare to losing your retirement account or say having all your nude photos sent to your contact list?
For some people, maybe they can't afford to lose $1000-$1500 and the time, all which might be a bigger deal than some nudes getting out.
For myself, my personal and professional contact lists wouldn't be pleased, and I would apologize to them, but it's not going to cause me to lose any money. I'm certainly not going to be embarrassed about nudity or body shape/condition. Everyone is nude under their clothes, and other people have the same body shape or maybe even medical conditions. (Unhygienics is something else though, and that would be unpleasant.)
Also, I don't let anyone take nudes of me, nor do so myself, because it's just easier to assume that anything digital might be hacked one day.