Two recent encounters, both whilst walking with a male friend and doing reece walks, ahead of two different Naturist Ramblers walks, showed that reactions can vary and not necessarily the way you might expect.
On the first occasion we saw a woman, probably in her fifties, looking for a dog which had just run off for a few minutes. We had time to cover up, but when we got up to her she said that we shouldn't have bothered as it would have made her day. She asked if had seen her dog, and we hadn't at that time. We carried on walking and uncovered again once we were clear, then saw the dog, which was heading in her direction, and called to let her know, and she gave us a friendly wave of thanks.
On the second occasion we met a man (probably also fifty years old or more) with a dog, but without any time to cover up. He didn't look very happy, and didn't return our greeting as we passed.
I can only conclude based on the above, and other past encounters, that there is no reason to assume that one involving a woman is likely to be any more difficult than with a man.
John