A really basic modesty preserving towel - Trained using the Civitai training service. Should work with realistic and anime models.

Towel coverage area should be: below the armpit to below the hips - this is the expected behavior for all subjects.

Activation word is BodyTowel. Throwing in the words "wrapped in a towel" also helps. The generated output will most likely produce a white towel, you may be able to control basic colours of the towel, but dont expect any thing detailed.