NFSW is meant to help people view content at work/in public by making it avoidable.

I agree with this. This is the fundamental point of the tag. I don’t want anyone to lose their job, or suffer undue consequences for happening across something particularly graphic, upsetting, or unlawful.

If it’s debatable and isn’t tagged, that’s inconsiderate and a request to tag it should be treated with consideration and kindness.

This is what I don’t agree with. Everything is debatable. I live in the US south, if my coworkers had their way, any image of a drag queen or a pride parade would have to be marked NSFW. And while thankfully this isn’t a problem on Lemmy (yet), that means a sizable portion of the population would be unable to see that content at all without uploading their ID and giving up any semblance of anonymity.

There’s nothing dangerous, illegal, or upsetting about a woman in a bikini. It’s something any person might see in public at literally any time if you live somewhere warm. And yes, I’m sure there are people who would feel harassed if you waved an image like that in their faces, but I cannot imagine a scenario where someone suffers any professional setback because someone saw them scroll past some clothed tits.