A girl who prefer to swim and get wet in my underwear rather then swimwear

Mud, athletic-wear, lingerie, bikinis, fully clothed, swimwear, blouses, tank tops, thongs, business suits, tight clothes, tights/pantyhose, jeans, skirts, leggings, curly hair, petite, amateur, redheads, shaved, female, skinny, long hair, small boobs, black hair, straight hair, blondes, blue eyes, gray eyes, brown eyes, brunettes, bathtub, outdoors, swimming pool, lakes, rivers, bathing, underwater, underwear, upskirt, showering, wetlook, clothes