what's the protocol of skinny dipping / hot tubbing?

so, in light of the previous references to consummate bachelorhood, i come to an important question regarding the etiquette/protocol of skinny dipping or hot tubbing situations...

lets say youre having a small party somewhere (fewer than 10 people, lets say) and things start going like they always do -- debauchery, bad decisions, clothing removed, etc.
you find yourself face to face with a potential skinny dip or naked hot tub session.

under what circumstances is it okay to get naked, and when should you stay clothed (as a guy -- obviously the answer for women is you always get naked. it's science)

here's what im driving at...sausage fests are bad enough, but if you actually start seeing the meat, the jig is up unless you have enough female buffer (for mental and logistical reasons - it's easy to forget a buddy's meat if you have funbags a-plenty...and lets not even discuss an unfortunate brush with your buddy's loverod)
obviously if the ratio of females to males is greater than or equal to 1, youre in the clear. its when this number is reduced below 1 that it gets murky...

i think you could do a 2:3 female to male ratio...at least i could, bc i know id be hookin up with one of the broads sooner or later.
how low can you go with the ratio?
does this depend on how hot the chick is? whether youre going to be hooking up with her soon? if theres a video tape rolling?
what if its you and 2 buddies, plus 1 chick? is this ever okay? is it worth all 3 dudes getting naked and uncomfortable to see what she's rolling with? honestly, it probably is, except 1 thing. if she's hanging out solo with all 3 of you, that means at least one of the dudes has probably seen her naked, and chances are at least one of the other guys has at least seen her tits. again, this is science.

if a chick or two decide to get naked while youre hot tubbing, should you for any reason feel the need to follow suit in the shedding of clothes? i say no, unless it is at their behest, they start making out, and/or theyre rubbing up on your shit. in this case, that suit of yours is coming off soon enough anyways in order to let the field mouse run wild. (i'll refrain from 'cheese' jokes so you dont vomit on yourself)

these are things you need to keep in mind for those winter ski trips (and later, the summer pool parties) when alcohol and thin air cloud the judgment

well thats it, congratulations on making it through. i just said nothing. i will now soak my penis in brine