Offline/Suggest she wears her bathing suit
When you suggest she puts her bathing suit on she perks up. It would make sense that a bathing suit is wet. But she insists you go swimming with her right away to help make it look authentic.
You wait outside while she changes, and she does the same for you. Seeing Nicole in that curious cut of swimsuit again sends a chill up your spine. But while she chills your spine, the river chills your everything else. It's still very early and the water is starkly cold compared to last time you were playing around. Someone has left a limited number of water shoes at the edge of the river, presumably for everyone to share. At least that makes it easier to run around on the rocks. Nicole tries to have fun and splashes about making as much noise as she can but you hardly manage to work your way up to your waist. At least it helps stifle your looming erection from watching her smile and dance and laugh.
You spend just long enough in the cool water for Nicole to make it very clear to anyone and everyone nearby why she's wearing her swimsuit. While it was obvious what you were doing, a bunch of uncles and aunts still comment when you walk through camp. They think you should wait to swim later in the day once the sun is up, but Nicole is plenty happy to be seen as an ignorant teen rather than an incestuous one.
Sunrays are just peeking through the treetops and breakfast is hardly started when you walk around wet and chilled trying to now dry off. Breakfast is boring today, hardly anyone willing to put a lot of effort into cooking in the cool morning air, everything chilled by the rain, but you both grab some grub and find a spot to sit on the edge of camp that is getting the most sunlight.
Being up so early is weird, other people just getting themselves together, trudging from their cabins in various states of dress. With the morning already dragging on you end up wandering around looking for things to do. You and Nicole have some fun scaring and pestering some of the kids still sleeping in that little tent in the bush. Curiously there's a bunch of clothing littered outside of their tent as well. Maybe you and Nicole weren't the only ones who got caught in the rain.
You go for another hike down the river which is a very different experience in the day time, and much less torrential than last night. The heat of the full sun falling on the riverbank helps bake away the chill of last night's storm and you soon find it's a very comfortable temperature again. By late morning there are some actual things happening including games; hide and seek, frisbee, you play it all, Nicole eager to partake but making sure to stay close to you through every activity.
At lunch Nicole asks everyone she can find if they want to go swimming. There's not as much interest today, but a couple cousins are up for it. Some of the adults (thanks mom) are once again concerned about "the kids" going swimming by themselves in the river (you wish they'd make up their mind what you and Nicole are) but Auntie Grace offers to supervise.
Grace walks straight down with you to the water while the other kids go change.
"You haven't seen my suit by chance have you?" your aunt asks.
"Nope. You lost it?" Nicole replies.
"Mhmm. I took it off and left it to dry on the rocks here but someone must've moved it. I asked around but no one has spotted it. But it's not the end of the world." She stops at the water's edge and pulls off her top. "You can't keep me out of the water," she adds with a wink.
Auntie Grace proceeds to strip down to nothing in front of you and Nicole, carefully folding all her clothes and perching them one by one on the rocks. The two of you glance at each other, Nicole with a grin on her face, as your aunt gets naked. She's really trim, no kids, the youngest of all your aunts and uncles, and it seems like she's pretty proud of her body doing a few stretches and rubbing her tits while making idle conversation in the nude with her middle school niece and nephew.
Yeah, your erection is back. Thankfully Nicole pulls you into the water after you step into some water shoes. Auntie Grace glides her way in soon after and swims some lazy laps back and forth as the other kids make their way down after lunch. Once everyone who said they were coming shows up, your aunt makes a big show about climbing out of the water and up onto the "diving board" rock, subtly getting everyone's attention by asking if it's deep enough for her to jump, acting unsure, and so on. Giggles and pointing come from the kids.
"Auntie Grace! You're naked!" one little girl helpfully points out.
"Thanks for noticing!" Grace replies with a smirk before diving in flamboyantly. She jumps a few times, relishing in the attention, then heads back to her favorite sunbathing spot to lay nude under the afternoon rays.
It seems your aunt was inspiring. One girl, Beth, maybe 7, strips out of her one-piece on the diving board then screams as she jumps in. Her brother then does the same soon after, giddy laughter infecting all the swimmers. You try to goad Nicole into joining in. "No way! You do it!" is her reply as another girl drops her swim bottoms to her thighs for a few seconds before she changes her mind. After watching the two new nudists jump and dive for a bit you decide to show them all how it's done.
You climb out of the water and shimmy out of your wet trunks. Dick flopping in the breeze, the anxiety of standing in front of a bunch of people naked helps to keep your erection down, reduced to a semi at most. Dropping your trunks on the rock, you mimic your aunt from earlier doing some stretches, some squats, some lunges, really showcasing your junk and milking being up here bare ass naked as the kids all giggle. Finally you leap into the water doing a cannonball.
Nicole is already climbing onto the rock once you've reoriented yourself after your big splash. Seeing that sure makes your dick move again. She stands on that diving board for a long time playing with the straps of her suit and teasing her audience. Eventually she bends over, grabs your trunks, then dives off the opposite side.
A race ensues for the shore and you're gunning it. You're pretty sure she would leave you here naked just for a laugh and not only do you not want to be left in such a state, you don't want her to get away with it. Nicole tries to outrun you, with a head start even, but frankly she doesn't have your motivation. While she's trying to walk her way to shallower water you're swimming full tilt. Once your hands start hitting the rocks you grab hold and launch yourself to your feet.
You both splash up the river bank, kicking up a whirlwind of water. Having closed the distance you tackle her bringing her down into the shallow water while she squeals. You both wash ashore then roll over each other, her ending up on top, but you hold her down against you in a bear hug so she can't get away. Resting against you, her hands on your chest, Nicole gives you a radiant smile and then brings that smile closer. It shocks you now just as much as last night, her soft thin lips pressing against yours. It seems she surprises herself as well since she pulls away a second later and immediately looks around, worried that somebody saw. If your aunt did see she doesn't let on, but you doubt the kids would've noticed. Nicole rolls away to let you get up off of the shallow river bank.
"It was an accident..." she offers, now a familiar saying of hers.
With the water you're laying in being so shallow, most of your body isn't covered by it. The slight downward angle does mean your feet are fully covered, but your stiffened cock sure isn't. You sit up so you can press your boner down into the water around you. Of course, as luck would have it, Nicole dropped your suit while running away. And now the kids have it.
Nicole has managed to start a game of keep away with your swimsuit. One of the boys snatched your floating suit off the water to whip it about over his head. A sharp fling later and it smacks one of the girls in the face to raucous laughter.
You stand up, trying to strangle your cock down, and walk back out into the water. The kids are pretty close to shore, needing that shallow water in order to hop around on their toes. That means you don't have far to go but you also don't have a lot of coverage while standing.
Seeing you coming for her, the young girl screams and tosses your trunks to the boy who is as trunk less as you. Hoping for a moment he might take pity on you given your similar states, those hopes are dashed when he taunts you by shaking your trunks, perfectly happy that more people are getting naked. He passes to his sister, Beth, who similarly taunts you singing a 'naked' song. The nude 3rd grade girl laughs then screams when she sees you charging through the water. You throw your arms around her much like Nicky, and like before you discover she doesn't have your suit anymore once you come to a stop. You lift the girl out of the water and lob her naked body through the air to further laughter from the group.
Nicole manages to steal your suit back, joining in on the fun. This time she lets you get very close, like luring a bull, before trying to turn away. The water here barely covers her thighs which also leaves your dick clearly splashing through the tops of the waves as you charge. With her back to you, you make a diving lunge but only manage to snag the back of her suit. You effectively have her held at the waist, the rear of her one piece swimsuit dropping that low on her. She tries to run forward but only gives herself a wedgie, after which she starts hopping up from the water trying to find relief. Leaning back, you use every muscle you have to yank her out of the water and send her flying in reverse, a tight grip on her suit the whole time. That last part is key. She buckles at the waist, her legs shooting out in front of her, and as you fall into the water with Nicole careening past you your clenched hands stretch her suit down over her butt before it pops all the way free. Still with a firm hold, you realize your hands are touching the backs of her knees while she thrashes on her back in the water. Feeling the suit slip further and further, you scramble up and keep tugging. That pulls the straps off her shoulders allowing you to easily rip the rest of it from her flailing limbs, her shoes popping off in the process, all while your cousin is still submerged on her back.
Standing victorious, you step away holding Nicole's suit high above your head and release a warrior-worthy shout, your semi inflated cock still bouncing against the waves while the kids gasp and cheer.
"Pfbt! You jerk!" Nicole sputters her way up out of the water sporting a look of amazement and nothing else. She adjusts her glasses and weakly reaches out for her suit but then second guesses herself and claps her hands over her bared little boobs instead.
"It was an accident," you announce with a smile, partly true. You hadn't intended on stripping her, not at first. Her expression flips to something more bashful and she again glances around at the onlookers before shifting her hands on her chest. Even your Aunt Grace is now observing with amusement from the shore, happily starfished on her private slab of rock.
"Well at least I'm trying to be modest," she snootily replies while looking down at your dick, as if she's suddenly above this inappropriate behavior.
"We can see your bush," you note with a nod, referring to the twelve wispy brown pubes that sit above her otherwise bald pussy lips. Nicole bends forward to confirm that she isn't as deep in the water as she thought, as if looking down at you wasn't enough of a clue, then quickly crouches to conceal herself beneath the rippling water. You want to join her, mostly to hide your once again lengthening cock, your thing constantly yo-yoing its way up and down since this started. But it'd be fun to tease her too.