95% of the time I dont tuck. Hell 60% of the time I go comando. At work I wear baggy work clothes (I am an electrician, and on construction sites, no point is looking cute, or ruining cute clothes). If Im going out, even my tightest pants dont require tucking really. I dont get randomly hard, and Im not that big. Usually just a pair of snug fitting panties work. Most of my longer skirts, the same thing also works. I have one or two short skirts, and I suppose I am a bit more self conscious about it, and I will wear a gaff of some sort.
When I was younger, I used to tuck all the time no matter what. I believe in most cases, its really just a psycological thing. Excluding mini-skirts, bikini's, and similar.
I really havnt gone swimming in public since a young teenager. Once or twice, I may have jumped in some water with a tshirt and cut off shorts. In private, or with close friends, naked all the way.
Honestly, I think I would be way to self conscious to wear a womens bathing suit. I dont think I could do it. While I do have a fairly feminine body, and people think I am cute. My smaller breasts, and the downstairs really keep me outa public swimming. Id say I hold a small ammount of sadness for this. A couple times, Ive been around associates/not-close-friends, and there was a hottub or a pool, and I just avoided it. Usually there is some other people that for whatever reason dont like getting in water (even hot tubs). I just hang out with them, and pretend that I also dont like getting wet. The truth is... even though Im pretty loud and proud queer. Its my own head that still cant budge on that one thing. Supposing its a "out of sight out of mind" sorta deal. If I got srs (or even an orchie probably), I might brave it.. might.