Last night I found a new type of dress, so naturally I had to try it on and see what it looked like. Then I switched back to first-person view, took it off, and re-equipped my armor...while forgetting to put on anything else underneath. On the way to a very serious quest rendevouz, my companion kept trying to give me tactful hints ("Aren't you cold?"), but I thought that was just because it happened to be raining and windy at the time. Then we reached our meeting place, and after giving the expected password, the person I was meeting up with said "Oh, it's you? I was expecting someone a bit more...armed." Cut to a shot of me wearing a few armor pieces and nothing else... How embarrassing!