I will have to think of some others, as I'm sure this isn't the hottest (non-sex) thing that has ever happened to me, but certainly one I enjoyed and haven't forgotten
Several years ago I was at a clothing optional beach, and with nothing but my sunglasses on, went for a walk along the waters edge to check out the scenery. It wasn't overly crowded but was enough of a target rich environment that I had quite a few nice sightings of naked and bikini-clad women. The best encounters were the close up ones, when women were walking towards me along the beach and we passed by one another, or when ahead of me I could see women about to cross in front of me as they were going from their towels down to the water (or back).. so I'd hurry up my pace to time it so that they were close to me as our paths crossed. To be honest, I almost enjoyed the thrill of proudly being naked in front of some pretty bikini-clad women as much as I did seeing a lovely naked woman.
As I'm walking, off in the distance I see the figure of a female runner in a sports bra, short shorts and running shoes, running in my direction. The closer she got, the more I was enjoying seeing what an attractive woman she was. She was very pretty, with long toned, tanned legs and long blonde hair tied back in a ponytail. My guess was around 30 years old. There I am with my johnson just flapping away in the breeze in front of her and getting hornier and hornier as she's getting closer and closer and I see how attractive she is and what a knock-out body she has. As she approaches, I smile at her and she flashes back a dynamite smile as we exchange a short "hi" and "hi there". Of course I couldn't help but turn my head around a step later to watch her sexy clothed ass as she ran by, and it turns out she turns hers around right at the same moment to check out my bare ass! That was a tame, but thrilling moment. But the best part was that not more than a few minutes later, I happened to glance backward at some point (maybe to check out how far I walked), and there she is, just a few yards behind me, speed-walking in the same direction that I'm walking. I'm not sure how far she had run before deciding it was time to turn around and speed-walk back, but I'd like to think seeing me naked helped convince her to turn around sooner rather than later! LOL We both smile at each other again, and thinking quickly I say "excuse me.. would you happen to have the time?" She's also wearing sunglasses so I can't tell if she's checking out my penis which was definitely stirring from the first time I saw her, to now doing it again, but she smiles that sexy smile again and tells me the time. Obviously, I was hoping she would slow down and just walk with me, but she kept on her brisk pace as I offered "where you rushing too?". She giggled a cute laugh and said "gotta run... but looks like you're enjoying a nice day" and continued on. Unfortunately, no nudity on her part, and that's where the story ends. She sure was a "Clothed but Still Sexy as Hell" kind of a woman, and I just picture that once she got back to her car or house, she yanked those shorts off and masterbated herself to orgasm while thinking of me.
