I agree you should get some speedos anyway, you can wear them around the house, under your shorts at the rather conservative pool you can get to (until you have the confidence to whip the shorts off).
If you want to get fit and wear Lycra then get a bike and some Lycra cycle shorts. Riding in cycle clothing is a commitment and will make you ride that bit faster. There are many cheap yet acceptable quality cycle jerseys and shorts on Ebay and Amazon. It is your preference whether to get a mountain bike or a racer.
Of course once you have a bike you can head for that quiet stretch of beach, lake or river that you have heard rumour of as a place where guys swim in speedos or less.
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