Oh, yes, many times.
Whenever I knew people were coming to visit, I would go cycling and take a shower before they got there, but I always timed it so I would be walking out of the shower, towel in my arm but not around me, after they were there. I would always say "I didn't realize you would be here already," and occasionally I would start a normal conversation as I stood there totally naked with the towel in my arm.
My wife knew what I was up to, but my friends never really had a clue.
