This is not exactly total exposure, but if you ever have this opportunity, I'd suggest on the balcony in your cruise ship cabin. Though you'll have to make sure that a) you're out in the open water and b) that there's no way that other people in their own balconies or out on the decks can see/hear you. Unless you'd really like to put on a show.
Can't say that I've done the deed anywhere else though. It seems pretty tempting, especially when you are truly in the middle of nowhere, but my better half isn't exactly the outdoorsy type.
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