Skinny Dipper

Your armor check penalty for swimming is 4 worse than normal, even for armors that normally do not confer a penalty.
If you can see calm water of a depth at least half your height, that does not appear to contain any dangers, you are compelled to skinny dip: You are shaken until you are either in the water wearing neither armor nor clothes, or can no longer see the water.

You like to swim with no clothes on.