Can I say it depends on the day/hour/minute?
I wouldn't wander around nekkid in the locker room, nor would I workout in public with nothing on over a sports bra. Nobody wants to see my middle. However, I do workout at home w/ just a sports bra and no shirt. When I go out running I put on a T shirt.
Sleeveless shirts -love 'em! I still have some pudge on my arms, and extra skim that I don't think will ever go away, but I have that nice V shape in my shoulders and you can see my biceps.
Shorts - meh. I prefer capri pants, only because my legs are so white I'm apt to blind someone in the sunshine
But skirts I will do, pasty white legs be damned!! They're comfy and not as hot as pants at work. I do have big calves, but you can see the muscle in them, especially if I have heels on, so I don't think too much about it.
Lower belly - well that's a whole 'nother can of worms! Baby pooch, stretch marks, extra skin from being extra fluffy. That bothers me, and that's where my confidence takes a nose dive. Depends on the day, though.
Nan
ETA: If I have a cute dress on that shows my curves and smokin' heels, I could conquer the world. Or a good pair of booty jeans, RAWR!!!!!!