Mey you might feel differently on the pavement In your birthday suit freezing your arse off and showing all to the neighbours
I get along with our neighbours. They would lend me something if I was cold.
Any anyhow, I'm a bit overcautious. There are clothes, a tent and a few other things in our garden shed. 
If our garden shed was also on fire... Well, that would be a massive fire. Our neighbours' houses are closer to our house than the shed...