Damn right her and only her. No one else is allowed to see him naked, including Erza, 'skinship' or no skinship. Just as he was the only one allowed to see her naked.

Ohhhhhh, god he's ...well of course he was standing up, and taking his damn time to use that towel. "I-I know that..." She practically tripped over her tongue when she glanced at him over her shoulder.

She....may have stared at his chest a bit too long, her gaze combing over his form, before she snapped out of it and quickly glanced away again. "Ahaha, I mean..." She got a bit wild - honestly the way he stoked her desires was like feeding a fire itself until it was out of control.