4 pages worth already eh ? Ah well responding to the OP.
You have to do what seems good for you, but in any partnership one should also consider the wishes of the one we love. Maybe that means being outside our comfort zone occasionally for the sake of the other. But if you can't then your partner should try to understand and accept. A relationship is like that, talking things over, making compromises, etc..
You are unhappy with your body. As I can not see it I can not tell if you have a genuine reason not to be happy about it. But maybe you need to see this as something that could be worked on, whether it is a physical problem you can solve, or an attitude one where you would benefit from gaining a better self image and contentment about who you are.
Given you say it is not so much about your figure, self image seems to be the thing you have a problem with. Sure you can explain it in terms of privacy but we are talking about your partner here, and if you can not be open and intimate with them then that is a sad situation. I'd advise trying to work on it for your own benefit. But of course it is your choice.
And since your husband doesn't mind I'm unsure it is much of an issue for the pair of you anyway. But in answer to the "what's the point" question, well the point is to excite the person you love and give them pleasure. Mush as a picture deserves a good frame, do you not deserve to present yourself to your loved one in the best possible light ? Have to say I feel sad for your husband who has apparently accepted that he'll only get intimacy from yourself in the dark, but I suppose what you never have you tend not to miss.