I stepped onto the hot sand with the sun already high and the beach packed. Families under umbrellas. Couples on towels. Kids running for the water. I wore nothing but a tiny sheer white cover-up that barely reached the tops of my thighs. The fabric was thin enough that my nipples showed dark and hard. No bikini underneath. Just skin.

The risk alone had me soaked before I even found a spot. Every step made the cover-up brush my bare pussy. I could feel how wet I already was. The idea of getting caught, of people seeing, had been eating at me all morning.

I walked closer to the water,...