I just started a new thread 'Ladies, eroticism with your swim suits?' or close to that. Any guys here with a wife who indulges can post there, but hopefully it'll get some of the ladies to confess their attitudes, if encouraged.
With #3, that just must be an erotic feeling for them. In mixed company wearing basically small panties and bra, yet still socially acceptable. Wish we could get some female input on that idea.