This is one quality post 

I find it impossible to imagine a shower I wouldn't feel the urge to pee in

I went down the paid route and opted for TubeDigger - I don't regret that decision one bit. Outside of capturing cam streams, I've found it super handy for other use-cases as well. I pair it with IDM (internet download manager); what videos one of those is unable to capture, the other almost certainly is.

MPC-HC

Media Player Classic - Home Cinema. Simple UI, better quality than VLC (I'm told) and a huge amount of plugins available, if that's your thing.