Good advice: Come naked right away. If you aren't daring enough for that, come in swimwear, and when you're ready to strip down to cross the red ribbon, take it off.
For one, that'll save you from the hassle that 99% of all mesh body avatars have with holes in their bodies and having to go home to turn off the alpha cuts because their HUD doesn't work outside their home grid. Swimwear most probably won't need alpha cuts.
Besides, the little peninsula on which you land, the only place on the sim where you're allowed to wear clothes, is mostly gone. You land in water, shallow enough so your head will most likely stick out, but deep enough for you to end up with clothes soaked with sea water. Solution: Don't wear anything that isn't made to get wet.
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