They were taking a hike in the woods of southern VT. It was a beautiful, warm, summer-like fall weekend. Following a path that meandered along a rocky brook, they skirted the edge of a field before entering a stand of trees, sparsely scattered. The land became rockier. They had to scramble over and around boulders. The brook continued its way beside their path until a turn took them higher up, leaving the brook behind. Now they were heading more inland.
She was getting hot and sweaty and made the suggestion to bushwhack back to the brook. She had noticed there were plenty of dammed up pools. She would love to cool off in one of them. He followed as she scrambled through the underbrush and slipped down the steep bank until she came to the water.
Without waiting, she slipped her t-shirt off and pulled off her shorts. She stood on a rock and dipped her toes in the cold water. Wearing just her bra and panties, she sat down and splashed herself. He watched. There was no sign of the path - they were well-hidden. They hadn't come across anyone all day anyway.
She quickly dunked her body into the pool and screamed from the shock of the cold, shooting back out. He could see her hard nipples through the fabric of her lacy bra. She looked over at him. He smiled at her. Do you want me to warm you up? he asked. Not yet, I'll dunk myself again. Down she went. The ice-cold water was invigorating but she could only take a quick minute. Back on the rock, the sun started to immediately warm her skin. She started feeling a little naughty. She pulled her bra off and tugged off her panties and spread herself over the rock so he could see her pussy.