There are no lifeguards at any of the beaches.
There are no nudist beaches and women being topless is quite rare, but local custom has no adversion to extremely skimpy swimsuits.
Beware, as the lake sits at 1600 meters above sea level, a few days in the sun can do more damage to your skin than a week at sea level.
talk
Russian and Kyrgyz are the primary languages. Some hospitality staff may speak English, but it is much more helpful to know basic Russian.