Isabel loses her bikini in the surf

(chapter originally by ? at writing.com)

Isabel decided she would take a swim first. So she left her things on the beach and walked up to the waves. They were warm from the intense beams of the sun. She wasn't sure at first how far out she wanted to go, but since she felt the water, she wanted to submerge herself completely. Running like a kid in the candy store, Isabel rushed out into the water and felt the waves crash against her body. The feeling was great, and within a few dozen feet, she was up to her neck in water.

However, after a few minutes of swimming around, she felt her top suddenly slide off her breasts. She quickly ducked down and pulled the strapless bikini top back up. The problem was that a huge wave suddenly rolled in and pushed Isabel down and back towards the beach. After being tossed around for about a minute by the wave, she finally washed up onshore. She turned over onto her hands and knees and coughed up water for a few seconds. She then fell back against her back on the edge of the water.

After a few minutes she realized that the sun was feeling unusually hot on her body. She didn't think anything of it at first, but when the water came back and hit her in the crotch with a stray stick, she realized she was missing something. She leaned up and pulled in her legs and looked down in surprise. She was completely naked, and the water had deposited a stick right up her vagina. It hurt like hell, and so she pulled it out and then was faced with a dilemma.

Does she go for her things on the beach naked or does she try and find her bikini in the water/shoreline?