We see things differently, for me to see naked female characters in a good scene is something like art, I like to appreciate the aesthetics and delight my eyes with a good scene, especially if the author is so careful.
For me it is to watch, to delight my eyes with a scene and if it makes me masturbate then my goal would be to feel pleasure, instead of just masturbating and cumming.
For me sex and nudity is more than just masturbating while watching.
But well, points of view think about it if you want.