Defining what OTD is doesn’t make much sense. It is a sliding scale based on your upbringing and the expectations that are put on you. I am sure there are sects where having a boyfriend or wearing a bathing suit could be considered otd. Or even eating chalav stam, etc.
Just be a good person, it’s more important than those that would never miss a minyan but may be doing other things bi’tzinah. Hashem will figure out the rest