So glad to hear you are returning to SXM and can't wait to read your trip reports. You always do a wonderful job!
While I can't answer your question about going nude when Tiko-Tiko isn't there I will tell you that we were on the Tiko-Tiko a few months ago and Philip told our group when we anchored that we could be nude on the boat, in the water and under the umbrellas. If we wanted to walk around we needed to cover-up. It was my understanding an agreement had been worked out.
There were about 4 boats there that day. We hiked to the other side to explore and we didn't see anyone while on the other side. <img src="http://www.traveltalkonline.com/forums/images/graemlins/Wink.gif" alt="" />
The mudbaths are definitely a thing of the past.