I have a dream to go to Haulover Beach some day. Florida says it's the world's best family-friendly nude beach, but people who go there say there are never families...just a bunch of gay men to the north and rowdy 20-30yos crowding the rest of it.
I fit neither of those demographics, but I just want to experience it for myself and make my own opinion.
But then I would be sad because I would want to go all the time, but I probably would never make it back. So, it would all just be one big tease in the end, I think.
As far as the original post, I actually don't have any beach experiences...oh, wait, yes, I do. I have two. Happened within minutes of each other (back in 2005 or so).
At a beach at a lake in the rural upper midwest...saw a couple outside of the designated swimming area who were obviously having sex in the water. I tried to get a photo just to show my wife then delete it (only because I had never seen such a thing before and it made me giggle like a middle-schooler), but they were way too far away, and digital cameras in the 2005-2006 era were crap.
A few minutes later, a young lady and her bf changed on the beach under towels. She put on only a swimsuit cover up, nothing under it. Each time she bent over to gather her things, I saw her long nips all the way down to her hairless protruding vulva.
Oh, and a third thing! I also saw people change in the parking lot that same day (rural lake, no facilities), and I remember one lady was changing her top with her boobs pressed against the side of a conversion van so no one could see anything. We all changed in the car. I wanted to change next to the car, but it was way back when I was still sort of a prude. I do still kick myself that I didn't just change on the beach or in the parking lot.