/sees thread title LOL okay then Ned Flanders xD

It depends on the context of your comic, really. Ex. I read BL comics like Betovering knowing that there's gonna be some diddly-doodly, but if I'm reading a comic that's cutesy and adorable and then BAM there's unexpected nudity, without any warning from the creator whatsoever and no context at all (kinda like when you're watching a movie and there's the obligatory cliche "man and woman kiss in the face of adversity" bull and I'm just like "come on the movie was fine without that" with NOTHING leading up to it whatsoever wow look at me digressing) then it's kind of amateurish to me and is sort of a turn-off (haha no pun intended i'm awful i'm sorry).
So to put it simply, I don't mind nudity in comics as long as it makes sense within the context of the story and isn't just being thrown in there to tailor to an extra group of readers that will probably find it in poor taste anyway.
As to whether or not it's "necessary", basically the same answer. There are of course scenes in which nudity makes more sense, and scenes where they just don't and you can tell the creator is just shoehorning it in. This applies to SO many different situations, but if you feel like you're falling into the latter, then you're doing it wrong.
I only censor nudity if it's absolutely required as a formality of some sort, but as long as I put up a NSFW filter so readers know what to expect and it's not straight up pornography, I don't go that far (you're not gonna find that stuff from me on Tapastic i mean WHAT).
My main rule of thumb - use nudity where scenes can better from it; if scenes are just going to come across as campy or unnecessary with it, then best to stay away, because then it just makes the flow of the story feel awkward IMO and the readers will detect that awkwardness right away.