You try!

You raise a hand. "Wait! I'm naked. This can't be legal."

The Italian man turns around. He cocks a gray eyebrow at you... then he places his hands on his large belly and lets out a deep laugh. "Son, this is a clothing-optional beach! My restaurant is right on the beachfront! Sometimes, beachgoers just don't wanna bother gettin' dressed to grab a bite to eat! Nudity on the beachfront shopping street is a slap on the wrist at best, jaywalking at worst! Relax, you're in good company! If any foreign tourists give ya a hard time, the locals will step in! I can guarantee you that!"

Zoe grins up at you and you can't help but rake your hand over your face. You tried. Best face the music. Thus, you don't show any resistance when Zoe grabs your hand and pulls you after the Italian restaurant owner. Her swimsuit falls to her waist again, causing her boobs to pop out, but the naughty little bunny grabs the neckline and pulls it back up with her free hand, holding it in place. And "bunny" is pretty apt. The quirky weirdo is practically skipping as she pulls you along, her busted swimsuit struggling to contain what must be a pair of DD-cups at the very least, possibly DDD or F. Fuck, you're a single virgin, you don't know bra sizes. You just know she's bigger than Amanda, and you thought she had the biggest tits you knew at school.

While you're still on the beach front, you can't help but feel nervous as you move farther from where you started. You know that you're not getting farther from your clothes or farther from safety or anything, but it's making you self-conscious of just how long you've been naked and had this painfully erect, pre-cum leaking, bouncing boner leading the way. You wince or cringe as the throbbing erection occasionally smacks against Zoe's arm or side, but she doesn't seem to notice.

...She does, though. Every smack of your cock against her sends a twinge through her pussy, and while she's not deliberately making it happen, she's certainly not doing anything to prevent it. She's legitimately shocked you haven't noticed how wet she is. Between the make-out session, her long-time secret crush naked in front of her, the idea of going on a date with you, the service you gave her back on the beach, and the surprisingly embarrassing-yet-arousing wardrobe malfunctions her busted swimsuit is giving her... She can't remember the last time she was this turned on.