Personally I would take it at face value - just because she's in a robe and/or taking a shower, does not mean she's inviting you to join her. You could get yourself into some serious scrapes if you misunderstand her or she turns out to be married etc.

The most I suggest you could possibly do, is suggest that her husband is a very lucky man (she'd get the impression that you're interested, and would then be able to take it further if she wanted to.)

However, as always, I suggest not having sex with someone else's wife, unless they have given you permission, and to use protection in ALL cases.

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