It doesn't MATTER to me.
I mean it's embarassing from both points of view. If you have to have your downstairs checked by a guy and things get a little stiff just based on that area being touched, you kinda feel embarassed that it happened at the hands of a man. Even though there is zero attraction. If it happens at the hands of a woman, it's embarassing incase she thinks there is an attraction. I don't really care though. I am never reluctant but I am alot more relaxed when it's a female though. However medically, they aint gotta live with a penis, so they probably won't know what some guys do.
-AC