A change of clothes is not really necessary if you are strolling down the beach at one of Maldives family hotels for the picnic. In that case, you can always walk down in your swimsuit and return to the hotel to change. However, if that is not the case, then in addition to swimwear, it is best if you pack a spare set of clothes because the sand, sweat, and salty waters will all demand that you change out of your initial clothing when making the return journey.
When packing the swimsuits, be wary of the sort of beach you are on. If it is a private beach that is the property of the villa or resort you are staying at, attire will not be an issue. If you are travelling to a beach that is away from your accommodation, comfortable and classy is the way to go, as you can never be too sure of what you will encounter.