Mike. Pasties aren't hands.  Hands aren't pasties.
I really don't know how else to say this.

If the thumbnail has clothing (i.e. pasties) so that it can be seen that the model is not nude, then it's fine.

If the model is clearly not wearing clothing, then it's nude and can't be shown on the thumbnail.

Standing around with your hands over your boobs is not going to make you clothed. If you're not wearing clothes, then you're nude.

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"you are terrifying
and strange and beautiful
something not everyone knows how to love." - Warsan Shire