All genuine nudist/naturist resorts/clubs and those affiliated to the INF-FNI (International Naturist Federation) or AANR (American Association for Nude Recreation) will have a strict fully-nude in the pool rule and be family friendly, with no swinging, no cameras/visible phones in the pool area. The fully-nude in the pool rule might sometimes be relaxed for children and to allow bikini bottoms for menstruating women.
Based on heresay only, places with swinging are more likely to be clothing-optional. Although not all clothing-optional places are swinging.
As others have commented, and I have observed, women especially, will usually follow the lead of other women ie if everyone (M&F) is fully nude then a new woman will probably be fully nude - eventually. Even if only the majority of women are fully nude, then a new woman is more likely not to get fully nude. And so on for topless, with a bias to not being more exposed than other women.
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