I love to swim, our local gym is almost deserted in the afternoons (I'm retired), but I don't have the nerve to hit the dressing room in pantyhose and a bra, nor the pool in a maillot. So I change at home from whatever girly thing I'm wearing into jeans over swimming trunks, then girl up again when I get home. It's a nuisance, but trivial against the almost complete freedom I enjoy everywhere else. So it's slithery fabrics before and after but not during. The lovely water flowing over my skin is enough.
For my other regular exercise, walking outside, in the winter it's always pantyhose or tights under whatever, not long underwear.
