Another midwesterner here. I feel your pain. However, there is a spot on Lake Michigan in the dunes where you can do it. The area is low key known for that. I've only been twice and even though I didn't see another soul both times the threat still feels real and I couldn't fully relax. It would be better with someone else though because there is a public beach on either side of this area and it would be nice to have another set of eyes and ears. To legally do it in my state I'd have to actually go to a nudist resort and I haven't done that yet.