My gf did something similar. We were swimming at the beach and as night fell it cooled off. We got in the car and her bathing suit being wet was making her cold. We weren't too far from home but she kept complaining. I told her that she could change right there in the front seat as the headlights would keep oncoming traffic from seeing her. She took off her too and her bottoms as she didn't want to get her shirt wet. Then she put a long Tshirt on with her nipples definitely being noticeable. After that she put her skirt on. She had worn those over the bikini. She hadn't brought underwear so that is how she walked from the parking lot to our second floor apartment.
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