They don't generally "do it" at the pool but there are beds surrounding the hot tub and they do do it there. As hard as it is to believe, it's relatively low key though. To me, it seems like you will be chatting away with people you just met and happen to look up and see a couple on one of the beds having fun. You enjoy the view and then go back to chatting - and check in on them every once in awhile (to make sure they are okay
)
I agree with the previous post. The women who initially are just going to go topless often end up saying "well hell, everyone else is doing it, and the world isn't ending, so I may as well."
But even if she doesn't get there, it doesn't matter in the least.