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This is a rough estimate ^^.

"I would never rate a mere pantyshot as questionable unless the situation was highly sexualized and/or there was massive cameltoe. I don't believe in "worksafe" in the true sense as a metric for rating 'safe', if only because it's almost NEVER worksafe to be browsing anime images at work. Fully clothed or not, sexy pose or not, you're still going to get a lot of funny looks."

This is where our opinion would start altering. From my beliefs, i'm agnostic just in case you're wondering too ^^. Other than the panty shot, I agree with you on everything else.