panties and bra - a secluded lake in Spain. It was hot and there was no other option (i'm too shy to go nude).
gone for the odd skinny dip, bra n panties, wet suit when its been particularly cold, and swimsuit, shorts and singlet. if its that warm even just putting your feet in the water to drop your temp is lovely
I swam naked at Santa Cruz once, does that count?
i swim naked in my pool all the time..but sometimes a tank top....
Well I guess naked doesnt count since you said "Wearing Something".
I once went into a hot tub at a hotel wearing bra and panties but it looked much like a bikini so no one said anything.
I also swam in my boyfriends pool once when I was a teen wearing a leotard. His parents were there or we would have went naked. LOL!!