Always swim naked in my pool, your pool, their pool, a friendly stranger's pool but one day back in 1981 on Martha's Vineyard a friend lost a toe just hanging his feet in a fresh-water pond while reclining on a sunny wooden pier on his back. That's when I first learned of snapping turtles.
I now only swim naked in my pool, your pool, their pool, and a friendly stranger's pool. Especially a very friendly strangers pool.
I'll hang out naked in the ocean, but not for long. Much prefer to let it hang out (and down) on the beach covered in SP-499! A sunburned penis is of little value; and when it begins to peel . . . . !