"Is there water and are there lots of trails in your neck of the woods, ie. Stanislaus National Forest? It would be nice to four wheel back into a place with a creek, or small river, stay a few days and do day hiking from that base."
Oh, my, yes, there are lots of rivers. Major ones, and smaller ones. I camped beside the Tuolumne just a few months ago, at the confluence of middle and south forks. Was able to be naked much of the time, even though it's a "developed" site (i. e. amenities). Unfortunately, not many places to drive from there, since nearby roads were damaged two winters ago. There's a nice little campground on Jawbone Creek, which runs all summer. It's not far from the site mentioned above, except the roads between them are still not open. Other major rivers in the general area are north fork of Tuolumne, Clavey, and Stanislaus. Plus many smaller creeks. Lots of 4WD roads around, which are often OK for high-clearance SUVs. And that's all in the Stanislaus N. F. Yosemite N. P. is just south of all this, but less suitable for naking, since it's overrun with tourists. Even so, there are back roads where nude hiking is possible. Great places just south of Yosemite, too, and many rivers & streams.
There are several other National Forests to the north, all of which have plenty of rivers close to campgrounds. Another one I camped at last summer (with amenities, and sometimes naked) was on the Mokelumne. There are plenty of hiking trails too, in addition to the forest roads. The list of possibilities is quite long. Most of the best places are at higher elevations (5000+ feet), so the season is fairly short: late May to early October. A little longer if you don't mind cool temps. Most forest roads are closed from December to April. There are some good lower elevation places near Grass Valley, so somewhat longer seasons. Popular skinny dipping places in the So. Yuba River, too. I can give more details if anyone wants.