Yeah, only Liara's scene was worth it in terms of no underwear (weird that Liara was the only LI with no underwear on tho).
Still Shepard wearing it was cringeworthy and made me roll my eyes, I really can't understand the ME team's logic to put underwears on Shep and other squadmates and not on Liara.
As far as Shepard goes technically Bioware treated both sexes the same, in that both versions of Shepard are in their underwear. The problem is that male Shep's scenes look far more natural, because that final romance scene includes Shepard waking up from a dream afterwards. Fem Shep however is wearing a bra, and what woman ever sleeps with a bra on?
That isn't to say that the scene with Fem Shep should have featured partial nudity. Just that perhaps instead of having her wearing a bra when the uniform came off, that it should have been a tank top. It would look more natural when she woke up from the dream at least.