JD, the answer varies from area to area. In Michigan, there are two types of naturist (few say "nudist") areas: clubs and nude beaches.
The clubs (Turtle Lake, Whispering Oaks, Forest Hills, etc) have many strict policies:
nudity: you must be nude
ratios: you're probably not getting in unless you're female, or bring a female that's willing to go nude. They like to maintain about a 50/50 ratio male to female, women tend to feel rather uncomfortable if they're outnumbered by men 3:1.
cameras: you're not taking candids, period. Trying will result in violence. Generally, if you bring your own model to pose nude, and just want to use the place for a setting, you'll be OK, but ask in advance. Most of the time, you'll need a member (clubs cost several hundred $/year) to vouch for you.
They have security guards, and those will always take a member's complaints more seriously than any rights you believe you have.
Like most of the United States, there are no such things as legal public nude beaches in Michigan. There are public beaches that are "nudity friendly" and local law enforcement looks the other way, as long as no one reports trouble. Otter Creek Beach (Between Saugatuck and Holland) and Mosquito Point (by Monroe) are such places. Lexington doesn't appear to be one, any more.
There are unwritten rules of conduct at such places.
Normally if a textile (clothed person) appears on a nude beach, everyone will get under cover, and one (largish male) nudist will come over to have a chat with you. Got a camera? He's all you're going to see.
Got a camera and your own nude female model with you? Well, expect a crowd of observers and helpers, but few offers to pose. Expect zero tolerance of candids.
Now, if you manage to gain access unobserved, and take candids hiding behind hills and trees, and you're caught, don't even expect to see any of your photographic gear again. If you intend to show anyone a printout of the "photographer's bill of rights" that floats around the Internet, make sure that you fold over the corner, rather than stapling it, because it's going to end up somewhere where you absolutely do not want a sharp ended staple placed.