K.
I grew up in Europe where the houses are much smaller and usually only have one bathroom. We were 5 people and we had
1 1/2 baths. I saw my parents naked on more than one occasion and it didn't scar me for life. In my opinion it is better not to make such a big deal about nudity, because it is a natural thing. Especially not when your child is three. Your child will get dressed on her own at a certain age, so the problem you have, will take care of itself.
Believe me, your child will not want to look at her naked parents long before puberty.
I think however it is important to teach your child to knock before she enters your bedroom, once she gets older just in case ... (-: