What is sex in the ocean, shower, hot tub, or other water actually like? Looking for input from those who’ve tried it

Books make it sound really hot, but I have to wonder if the lubrication works out. And if it doesn’t, are there ways around that, or is it always awful?

Edit: Thanks everyone who is answering! I’m trying to get to each comment but just wanted everyone to know I appreciate it in case I miss some.