When we go to our place on the lake every summer, I swim naked when its prudent. During mid-week there are few people in the cottages or the water, so its pretty easy to get out into the water, then hang the swimsuit on the floating dock and swim naked. As others have already said, once you go naked in the water you won't want to do anything else. Another pleasure of mine is sunbathing naked. I've got a very well screened yard at home so when the sun is good I peel off the clothes, stretch out on a towel on the grass, and soak up the rays. If the opportunity arises...naked rules.