The problem with your argument is that you're treating “I can't imagine how it would happen” as proof that it can't happen. You said, “No one is going to capture your private parts if you're just using the urinal.” But that's an assumption about how every person will use the technology. I'm not claiming everyone wearing camera-equipped AirPods is going to secretly record people. My point is that putting a camera into something people can wear everywhere, while making it tiny, discreet and difficult for others to notice, creates another opportunity for potential abuse. We have already seen phones and camera glasses misused, and making cameras smaller and less noticeable doesn't eliminate that risk; it can make misuse harder to detect.
There's also an important distinction between “the device isn't intended to record you” and “the device cannot record you.” The first is an intention; the second is a safeguard. Imagine you're standing at a urinal and the person next to you deliberately points an iPhone at your lower body and starts recording. You'd quite rightly consider that invasive, wouldn't you? The fact that the camera is attached to someone's ear rather than being held in their hand doesn't fundamentally change what is happening or what could be happening. If anything, a smaller, more discreet camera makes it harder for you to know you're being recorded in the first place. That's the point I'm making: I'm not saying everyone wearing camera-equipped AirPods would be a creep. I'm saying everyone around them shouldn't have to trust that they're not. With a phone, you can at least see someone holding up a device. With a tiny camera integrated into something that looks like ordinary AirPods, you may have no idea. And that's particularly relevant in places like bathrooms, changing rooms, gyms and hospitals where people have a reasonable expectation of privacy.
Ultimately, you don't have to prove that misuse will happen to recognise that the possibility matters. Anything capable of recording video or audio can potentially be used to record people who don't want to be recorded, and once that footage exists, you have to consider who can access it, where it goes and what happens if the system is compromised. So “bro, nobody's going to do that” isn't a privacy safeguard. It's simply an assumption that everyone will behave responsibly.
Privacy shouldn't depend on trusting every stranger around you. If we're going to put cameras into devices people can wear literally everywhere, including places where people have a reasonable expectation of privacy, then the question shouldn't be “Why would anyone misuse it?” It should be “What prevents them from doing so?” The person being recorded never chose to have a camera pointed at them, so why should they be the one expected to take the risk and simply trust that the person wearing it is responsible? That's the fundamental issue. We shouldn't design privacy around the assumption that nobody will abuse a technology. We should design the technology so that, wherever possible, abuse is difficult in the first place.