@Jon: beach in .... Warsaw????
Yes, at Blota. Quite nice, but not great for the river - the currents too strong and the water not clean.
I have noticed in a lot of occasions, that Polish girls are shy to undress (even to try a garment on) in front of others
In the gents' loo, a lot of them can't go to the loo if there's anyone else in there. Psychological apparently.
In saunas (which tend not to attract the shy) I've never seen clothes though - just towels.