This happened to my wife, and looking at it from another angle, it could also count as a form of exhibitionism. We were at the beach playing around on a simple SUP. My wife was wearing a one-piece swimsuit I had bought for her — a gray, sleeveless, leg-less style with a long zipper at the neckline that went down past her chest. It was a cheap piece with very thin fabric, so she would normally wear a bikini underneath when she put it on.
That day, while we were fooling around with some friends in waist-deep water, I asked my wife if she wanted to take the bikini off from underneath. She was surprised by the suggestion at first, because without it her nipples would show through clearly, and since the swimsuit was light-colored it would be very obvious. I persuaded her several times before she finally let me reach under the swimsuit in the water, unfasten the bikini, and pull it off.
As expected, the water was cold and we were playing around, so her nipples became very hard and poked out as two clear points through the swimsuit. I noticed several guys whose eyes locked onto them and couldn’t look away for quite a while. It made me a bit embarrassed to stand up out of the water, worried that the bulge in my shorts would be too obvious.
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