I used to have a "duster". A long leather coat that goes down below the knees.
So my brother and I were at the beach earlier that day and decided to go to Knotts Berry Farm. I got out of the car but the wind was a bit chilly so I put on my duster. I was still wearing shorts...
My brother and I are innocently walking along when I see a female (maybe 23 years old) walking with what I assume was her boyfriend... and she was staring strangely at me. I realized that with my duster closed, it looked like I might be a flasher, so I whispered to my brother, "stay here and watch this."
I then altered my path to head more towards the female and her boyfriend and when I was about 10 feet away, I ripped open my coat and said, "Bleh!".
The girl turned away and then turned back and we all had a good laugh. I explained that I had just come from the beach and the wind had turned a bit chilly and had not thought of what I looked like until I saw her staring at me.