We have a covered pool with French doors leading to the master suite. I think the last time I wore anything in the pool was when my daughter was home to visit. Of course, towels always close by in case of unexpected company. Never got barged in on in the pool, but hubby and I got busted in the hot tub more than a few times.
Growing up in Austin my Dad had a small ranch just southwest of there. Sometimes when I'd go horseback riding alone I'd go skinny-dipping in the creek. Not a very ladylike thing to do, and Mum would probably still be lecturing me today if she knew. I was quite a tomboy and kinda still am.