When I met my wife, Olivia, she had been raised as a member of a very conservative Christian denomination that had their women wear dresses pretty much all the time and show as little skin as possible. This included while swimming. I once saw a home video of her as a girl dressed in a velvety green dress, black stockings, and black mary-jane shoes jumping off her family's houseboat into a lake. Her sister and mom join her in equally nice clothes. Her family had since left that denomination, but Olivia, her sister, Annie, and their mom Connie, still felt more comfortable in dresses. Olivia would wear dresses no matter what. Once, we went hiking after a rainstorm and she was tromping through the mud in a black dress, black knee-highs and black flats. When we were done with the hike, she jumped in a stream to clean off the mud from her shoes and clothes.

Her sister owned a horse farm and I often joined them in farm chores. The two of them would often wear dresses while mucking out stalls. I remember one day goung to the farm and seeing Olivia and Annie digging through a pile of manure. Olivia was wearing a sleeveless white blouse, pink skirt, white hosiery and white heels and Annie had on a white blouse, navy blue skirt, black pantyhose, and black heels. Both were literally covered head to toe in stinking muck, their pretty clothes saturated. I helped them finish the chore and then we all hosed off. At the sight of these two beautiful young women in soaking wet, mucky dresses, I shot a load into my pants. They didnt notice.

Olivia discovered my fetish at her sister's wedding. It was held by a lake and afterwards, her sister jumped into the lake wearing her white gown, stockings, and shoes. Her bridesmaids, of whom Olivia was one, jumped in after her in their purple dresses. Most of the guests, including myself, followed, fully clothed. Afterwards, Olivia and I emerged from the lake dripping wet, into a thick stand of trees that blocked us from everybody else's view. Olivia noticed how large my cock was and I admitted how sexy I found her in her wet dress. We started kissing. Before I knew it, I was naked and on top of Olivia who had pulled down her panties and pulled up her dress. I was inside her in an instant, pumping away as we both groaned in pleasure. When we were done, we rearranged ourselves, although Olivia's dress was torn and muddy, and went back to the party. Based on the state of their clothes, I think the bride and groom had also had sex in their wet wedding clothes. 

Luckily, Olivia approved of my wetlook fetish and actively participated on the condition that I would only have sex with her and no other woman in my wetlook encounters.  

About a month after the wedding, Olivia and I went out on a picnic date. This was one of the few occasions that Olivia did not wear a dress. She had on a red t-shirt and shorts, dark blue socks and sneakers. After we ate, she took off her shoes and climbed into a nearby muddy pond. I was already just wearing shorts and socks so I climbed in literally on top of her. Soon, both our shorts were down and we were fucking. By the end, we were completely naked as we returned home. 

A few months after that, we went tubing down the large creek that ran behind Olivia's house. I was wearing shorts but she came out in a long black dress, black pantyhose, and black heels. We immediately took our tubes down to the water and jumped in. After floating downstream a ways, we emerged onto the muddy bank and had sex before returning home. Olivia was still in her soaking wet dress, stockings, and heels. 

Olivia and I had other wetlook encounters before we got married, including one in which we went into her hot tub fully clothed and convinced her parents to join us, also fully clothed. On another instance, I was helping Olivia's family with a yard sale. Olivia was wearing a black dress, black stockings, and black shoes. Her mom was wearing a white blouse with red sweater, black skirt, black pantyhose, and red dress shoes. Her aunt was in a blue and purple dress, white pantyhose, and black strappy sandals. Partway through the yardsale, it started to rain. We scrambled around, trying to put the items under shelter. By the time we were done, everybody was soaked and sweaty. We went into the bathroom and took a clothed shower together.