There are two types of people, those who when having lucked into the chance to hot tub will get naked with strangers and those who will not. I have absolutely no hesitation in taking the plunge. I have soaked with people vastly more ugly and more beautiful than I am, none of us seemed to give a damn, just enjoyed the water and relaxed socialization. I'd guess that 90% of the people I know are down, I wonder if this inhibition or lack of inhibition is common to social groups. My wife is pretty timid about random hot tubbing with strangers, always seems to be an odd difference between the two of us.
Getting naked with strangers is one thing, but getting naked with and then talking to said strangers? Nuh uh. I can barely talk to strangers with my clothes on.
Ha! I have been in hot-springs and I have talked with strangers naked and it wasn't all that uncomfortable. In fact, it would probably be more uncomfortable if they weren't strangers. I think the one time you shouldn't talk to someone is when in a public bathroom. Nothing is worse imo, than having to try and yuck it up with some yahoo while trying to take a leak in a public rest room. If you're the kind of person that talks to strangers in the bathroom, stop. Trust me, none of us like you.