Okay,
So, I thought it was ten years ago, but after doing the math it was closer to 20 years ago (I am over 40 so the timeclock in my head is messed up, hush), I was invited to see my friend's new house. I knew it had a hot tub only because of someone else talking about it. Since my friend didn't mention the hot tub himself, I didn't bring a swim suit, secretly hoping the topic would come up. This was my friend who was "saved" by his gf who became his wife, he became a pastor, nothing unusual there whatsoever. But, this is important because I liked to sometimes push things knowing his past before meeting his wife. Keep that in mind, and why I made sure to NOT bring a swimsuit and use his non-mention of it to my advantage, if at all possible.
So, after being there for an hour or two of eating and having boring surface-level conversation (they knew I was non-religious and "accepted" me anyway), they gave me a tour of the back patio area, sorta inside and sorta outside. I saw the hot tub and made some related comment about how hot tubs are great for my muscle pain but I can't afford one myself. The wife, yes the wife, joked that I could go in naked unless I happened to have a swim suit in the trunk of my car, and she was clearly joking, but I seized the opportunity by saying, "Ya, I am fine with that." My friend said, "Maybe not, man," and I said, "We are all adults and my back hurts, so why not?"
The wife said that my friend and I should do it, and she removed the hot tub cover for us in an odd hurry, then she left us and within 10 seconds I was naked and I went in totally naked while he left to get his swimsuit on and came back. About 15-20 minutes later, the wife yelled from around the corner, "Can I see you guys or are girls not allowed?" and I said to come on in. She came into the patio room area wearing a towel. I was excited to see her naked, but she removed the towel and had a swimsuit already (her hair was covering the neck strap, so I really thought she was naked at first). It was just a typical halter tankini thing. Nothing revealing, but I got to see a little more of her tiny frame than usual. I was wondering if she was waiting for me to talk her into getting naked, but I didn't want to push it. The fact that I was naked under the water around my friend and his wife, albeit clothed, was plenty excitement already.
Just as she got in, I said I was getting hot and woozy, so I lifted myself up and sat on the side, totally exposed. The wife looked at my nakedness and smiled and looked at her husband and giggled and looked back at my nakedness and smiled again, made eye contact a few times, and then kept staring at me. (My friend looked absolutely petrified the whole time.) I started getting hard, so I covered myself and she said, "It's okay, it's natural" and I, again, seized the opportunity and let her see it all. She even moved a bit to get a better view! My friend, who used to be completely wild and crazy, was the one who was uncomfortable, not his wife!
Now this is where it gets crazy. I got pretty much fully hard, so I covered myself again. The wife asked, "Are you playing with it or just covering it?" I said just covering it. She said, and I kid you not, "You can play with it if you want. At least you aren't afraid of it like this other guy over here, but I am not getting out if you do because the air is freezing and I can't say I won't look" (it was summer time and like 75-80 degrees in the air, so she was clearly full of it, but that also clued me in that she really wanted me to play with myself). And, yes, I remember her exact words nearly 20-ish years later like she is saying it into my ear right now.
I didn't do anything at first, but I remember asking my friend if this was a dare or what was going on, and I don't remember what he said because I was fixated on her eyes fixated on me, but it was more or less "go ahead", but more convoluted and cryptic than that.
So, I started slowly and ended up getting sorta into it. I sat on the edge to come over the side and not mess up their water, and when I saw the wife move around to get a better look, that is when I had a rush come to me that I have never felt before nor after, and had the best orgasm of my life.
Yes, I was dating the woman that is my wife now. She wasn't there. Yes she knows. Her reaction was simply, "Of course you did." (And probably an eye roll to go with it.)
So only thing I regret is that nothing like that has ever happened since.
For me this is pretty outrageously, unbelievably wild, but to most of you this might be boring, tame, and not nearly as wild as your own daily lives based on a lot of what I read here, but there ya go.