I wish I could find the podcast by Wretched Radio and Todd Friel on this topic.
He gave some great perspective.
He described how way back in the day, if a woman wanted to go swimming, she would get inside of some portable shanty type thing with wheels, inside she was clothed neck to heel. They would back her up to the lake, and she would exit so as no one could see her.
That was contrasted with how things changed over time.
So somewhere between backing her up to the lake in a shanty, and what we have now, is probably a good medium.
But what seems absurd to us now, was proper then, and what may have seemed improper say 40 years ago, may seem totally modest, proper, maybe even prudish now.