I'd argue knowing how to swim with clothes is more important than without, if you have to pick one. Though I'm guilty myself of not living up to this, I also th

I'd argue knowing how to swim with clothes is more important than without, if you have to pick one. Though I'm guilty myself of not living up to this, I also think everyone capable of swimming should also regularly jump into the water with various levels of clothes on, in various temperatures, just to have the skill fresh if needed. (Even if you never fall into the water, you never know when you will witness e.g. a child do.)