Easy one for me, this. I've been with my lady (and happily snapping away) since before smart phones existed.
For her part, she'd have to vote for the 'have had many guys take naked pics of me' option, as she's only ever been in two serious relationships and she's posed naked for both me and that other guy. I wrote about that here (back in 2012):
https://forum.oneclickchicks.com/sho...&postcount=196
For what it's worth, I have asked my mrs what her opinion is on how common this is, say in her circle of friends etc. She believes most women today will have some topless/naked photos. She even told me of one of her friends who admitted to having taken a few naked selfies purely for herself (to see how she looked etc), and claimed to have never sent/shown them to anyone.