I like using toys in the shower if I'm worried about the vibes being heard, and it's less mess for me to clean up until I can get a Liberator Throe... which won't be until I have my own space (or I'm living with a partner) I think.
No, I've never been much on shower/tub sex, whether it be alone or with someone, with or without toys. I'm not sure exactly why. Maybe because it just seems like too much of a hassle and too many things could go wrong to ruin the mood.
I use toys in the shower just for a little extra fun, but I rarely use them in the bath because I feel that even though a toy may be water proof like a vibrator it shouldn't really be submerged in water