When I took photography classes, I actually shot some of a friend, and she didn't even have to get naked. I was inspired by an old B&W pic of Marilyn Monroe, she's wrapped in white sheets and has a very fresh "I wake up this sexy" look about her.
I modernized the ones I took of my friend, we kept the all white linens, more emphasized makeup (black & white pics) but we added patent leather, black pumps as a contrast against the sheet. I shot them with a #5 filter so that they'd be really intense in contrast, and did a few close ups. Underneath the sheet, she kept on her underwear and wore a strapless bra. I did them for a portfolio, but her man was very very excited to have them lol
There's a company her in San Diego that specializes in female photos, they have an all female staff and lots of costume and prop choices. We're a big military town, so women often have them taken to send to their boys on leave, or as gifts when they come back. I've thought of having some done, I saw a section in their online portfolio and they had plus sized girls, and it looked very very tasteful. If I can find the link, I'll post it =)