Caught off guard
Once this year by the water meter man who I think 90% chance he saw me nude before I had a chance to cover up and, when he went he just said have a good day and, the second one was the lady who did see me and all she did was to face the ground and when she was going I said in the summer I have nothing on and, she said having 5 children she has seen it all so I don't think she will be bothered next year if I don't cover up.
I've been caught a few times. The first was at the end of a nude drive with no means to cover up. I arrived at the parking area shared with my neighbour and had no choice but to get out of the car still naked. She came over to ask a question and we chatted, ignoring my nudity.
All the others have been while I was naked in my garden on a sunny day. One lady talks about it years later. And the post man pops round if I don't answer the front door bell. One time he was accompanied by another delivery guy.