I'd been for a very wet run in the rain. When I got back to the car, (at a park/beauty spot) I stood by the boot, back to the public, whipped of my wet top and put a dry sweatshirt on. Not as quick as I could have been maybe as cold wet fingers weren't working properly but a few seconds.
Fwiw, Underneath, I was wearing a very robust M&S sports bra and I don't have much to see anyway!