Once my ex and me were very friendly with our neighbor, and I've been home wearing skirt and she got in (I might forgot to lock the door properly). When I heard steps, I pulled the skirt down (I mean I fully took it off and there were no panties under it) and till this day I have no idea if she saw the skirt or not (well, she did see me that day without any underwear). My thought at that split second was - if she sees me naked, who cares, I'm in my own home, but if she sees me in skirt - she'll know my deep secret, might tell to landlord, who was also my colleague, etc...
We continued to be friends (although she never rushed into our apartment) until we moved out and lost any contact with her.
Oh boy, it was before my coming out, still in my early 20s.