Thats not really true though is it? The sole point or definition of anime doesn't require software porn to be classed as such. there are many series without such obvious nudity. i think you are trying to justify and normalized something to yourself which a lot of people would definitely find at least a little morally wrong.
considering its not meant to be a horror or porno etc would you comfortably watch it with your parents? If not its probably not as kosher as you might want to think.
What can I say, the whole point of contextualised nudity is obviously lost; especially having just watched the first episode in Nitefly's case. In regards to the front covers, you're also ignoring the VAST amount of artwork on the series that is NOT sexualised. Oddly enough, companies put images on products they think the average viewing base (in Spice and Wolf's case 18-30 year olds) might find appealing. Notice the fact that the OTHER artwork
for the exact same series, doesn't even show a hint of it, it just shows Holo...well acting like Holo.
1) It's not trying to sexualise the scene, or to titillate the audience, it's Holo being Holo
2)She's in human form in the first time in several hundred years; she's not human
3)The REST of the series, once the whole POINT of what is going on is past; so is the nudity.
This isn't pervy porno or hentai, it's some NUDITY, there is a difference between nudity and material aimed at turning on the audience. I'm plenty 'experienced'

p) enough to tell the difference, I'm not 17, and the scenes make sense within the context of the show, and what's going on. Even more so if you've read the original novels.
I have watched the series several times; know multiple other people who've watched the show, and yes, watched it with the family around, and Nitefly is the first who's jumped to the conclusion it's a pervy show including a few who aren't into anime at all; when actually a lot of the show is 'talking heads', and about the dialogue.
A similar furor came along when the first translated book was released; the company who've licensed the series over sexualised the 'westernised' cover of the novel; and unsurprisingly the fanbase kicked back because it DIDN'T represent the content of the novels very well; which is part of the reason why they've now toned them down, and are also releasing them with the original covers as well as the western ones.
At the end of those days, the point of those scenes is in the context and in the story; when that point dissapears; so does the nudity; and if the series was all about being pervy and fanservice, then it wouldn't be COMPLETELY ABSENT from 24/26 episodes.
If you want to try and find a show that IS a little iffy at times, go check out the likes of Dance in the Vampire Bund. Spice and Wolf is an adult series with some occasionally 'adult scenes', but they are there contextually within the story and the point isn't the audience perving off them. Again, if this show was all about that, would it really COMPLETELY drop the aspect after the first 2 shows when the whole point has passed?
Holo (Or Horo, I'm sure Alex will correct me as to the proper name

) is a Wolf Goddess, why would she care about clothes? She isn't human, she doesn't have the same 'standards', clothes would be beyond her, and quite..foreign. She is a wolf afterall, and Wolves are well..naked.
I would happily show Spice and Wolf as an example of the more adult shows Anime has to offer, i would also put Saikano and Evangelion out there. All of these have 'mild nudity' with...younger looking characters, but it's done in a reserved, and adult way.
Regards Holo/Horo
-Horo is how the name was originally translated due to the L/R barrier converting from Japanese to English, and it's the name that's stuck with the fanbase; however the official translations, and indeed the second series itself have clarified it is meant to be Holo.
(Actually a similar thing happened with Lawrence, as originally a lot of people were calling him Lawrence Kraft, when actually, his name's apparently Kraft Lawrence)