Susan, if your heart tells you it's wrong, IT'S WRONG! Seeing that picture hurt your sensibilities. It would have done the same to me.
There USE to be a pic of my ex in the tub with my oldest boy washing his back. Nothing was exposed on either one of them, but when my oldest son, then an adult, ran across it, he ripped it up without even asking me. It hurt HIS sensibilities, too! It embarrased him. No doubt this little girl will feel the same way when she grows up and sees that picture.
Also, I understand that pictures of naked babies, even on their tummy or bear skin rugs are NOT being developed anymore by photo services at drug stores and such because of pedophiles. Someone has the right idea!
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Psalm 119:105 Thy word is a lamp unto my feet, and a light unto my path.