My wife and I both go fully nude while in the pool, at the beach, or in the hot tub. We put our clothes on to go from the room to each place. We made friends with 2 couples that the men were totally nude, and their women had their bottoms on. One of the women said that she must go home with tan lines down there, or her child might get suspicious.

There was another couple (probably late 20's) that left their stuff on most of the time. She took her top off one day, but never the bottoms, nor did her. They were right in the middle of the social environment.