Difficulties arrive in the form of a bathing suit: Just what do you wear, as a woman, when swimming?

I live in the Great Lakes State of Michigan, and being surrounded with freshwater in all forms means that during summer many outdoors activities are water oriented. It's lovely to take a dip when it's one hundred degrees out, and the humidity is nearly as high. But how to do it without compromising? The local Amish women (I live near a large community), as I've seen, tend to wade in ankle or sometimes knee deep while fully clothed. That's about as far as they get. But if she wanted to swim or wade out over her head, a full dress would be not only impractical but dangerous as well.

For myself I've decided on knee length swim shorts and a long sleeved rash guard, a kind of UV protective swim shirt that not only protects my modesty but my lily white Irish burnable skin from looking like a lobster after a day down the river. Saves on sunscreen, too! What has everyone else decided on?