Attempting to skinny dip at night in the lake by jumping off the pier results on a black screen.
EDIT: Happens during the day too, under the same conditions. As a pure guess, the game has an issue with Sammy being able to get onto the beach that way without wearing a swimsuit.
More EDIT: The exhibitionist perk drops my max desire down to 100. That seems really odd for someone who is basically living a fetish. Is that intentional?