I tend have a bath or shower, before a punt and drive with air-con, to the locations most of the time (with in an hour or so). So don't often waste time by having another wash, in less than a few hours.
But when I do bath or shower at a punt, its because I wanted to and I found it enjoyable, to invite a W/G into the bath or shower at the same time. Which isn't always the case, some W/G have invited me in and good fun followed.
I prefer on suits as I don't care then, its out with the birthday suit.
Locations with a shared bathroom and other people around (and we mite pass). I would cover up.