Here's an example. At one time, I wanted to do a Norman Rockwellish picture. It would have been an old fashioned kitchen with a cookie jar on the counter and a naked little boy stretching to try to reach up to get the cookie jar. Innocent enough, of course, and certainly not anything anyone would object to. All you'd see would be the butt. But, technically, it would violate the TOS. So I never did the picture. No, I don't think it would have caused a problem, but why take the chance.
Talent is God's gift to you. Using it is your gift to God.