Uptown, I've been thinking further about your original post. Part of the problem is that the majority of naked/near naked female bodies that we see are "pre-approved hotties".
Spend a little time at the ultimate in softcore amateur porn,
Voyeurweb, and you will see that there are a large quantity of people who manage to be comfortable and sexy even though they aren't young and stacked. Nude beaches are also a good way to discover that you ain't that bad (my wife uses this as an "emotional recharge").
If you are concerned from an age standpoint, get the recent
Age issue of Bust (not a porn magazine, it is "for women with something to get off their chests"), which delves into many issues regarding aging.
I keep hoping we can help you.