you can swim naked BEFORE going to questgiver.
use wardrobe at your base, complete task "swim naked", then go to questgiver.
if you think all the quests should be easily done the moment you got them - what about:
- craft *complex item*
- bring *crafted complex item* to questgiver
- study *curio*
- get crazy high on *drug*
- etc?
should all those quests be removed just because you don't like to put some efforts before getting the reward?