Mm, whether it feels contrived or not matters. In my opinion, enjoyable fanservice happens when it's clearly a part of the scene no matter how you look at it (Protagonist accidentally walks in on Love Interest in the shower, hilarity ensues), and irritating fanservice happens when it's tacked onto a scene where it's not immediately apparent that it should be there (Fully-clothed Love Interest is talking to Protagonist on the phone while laying on the sofa; camera cuts to an upskirt).
This and what Serpentine said. (also, there is a scene like that in one of the early Street Fighter Animateds with Chun-Li getting attacked by Vega(or Balrog if you prefer the original name assignments) after getting out of the shower, though I think it was played for a lot of titillation. Don't recall, though)