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ALAKTORN said:
They both look questionable to me.

Agreed. I go by a pretty simple rating scheme which seems to work.
Safe: You could show family, friends, and coworkers. Could be background on a work computer.
Questionable: Anything sexually suggestive. You could find it as one of those sexy posters at a gimmick shop in the mall. You wouldn't show it to your family or co workers, but might not care about friends.
Explicit: Anything blatantly sexual. Exposed sexual organs, sexual fluids, ect. A girl pleasuring herself through clothes would still be considered explicit, even without anything being revealed.