It was at a river in the country of Chile I was 11 years old with other boy scouts and we all took our clothes of and jumped in. The Scout master was on a hike with another group. The water was cold as hell but what an experience loved it from the get go. In the military prep school in the US slept in underwear but sometime would take them off under the covers. I had to be very careful. My roomate knew but didnt care