no, never completely nude. I have answered with my large flaccid cock very obviously pushing or bulging out the fabric on loose shorts. once it was my female married naighbor, nice lady, squatty body. she was talking for about 2-3 minutes. her eyes wondered down and she stopped in mid sentence, then continued.
another time, my wife's co-worker came by to get a work key, wife was gone. I had never met this gal. Ding Dong!!. I answered the door, and here is this gal. she looks like Kim Basinger, the actress. I look at her, she looks at me, tells me who she is, glances down, as i started to get hard, she smiles, takes the key, turns to go and then glances back, looks down, smiles at me, looks down again. she later told my wife that I must be hung like a horse. wife got upset & didn't want me to wear those shorts or any shorts without underwear.