Do I have to take clothes off at gynecologist?

I absolutely HATE the idea of going to the gynecologist, and having a stranger poke and a feel my vagina, but I need to go for an ongoing infection. I want to take off as little clothing as possible, so can I keep my shirt on and wear a skirt so I only have to take my underwear off? I don't want or need a breast exam, so I don't see why I wouldn't be able to keep my clothing on as long as the gyno has access to my lower bits.