It never happened to me.
But I remember me and a pioneer brother knocking on a door quite early on a saturday. A girl/woman in her 20's opened the door. She had just a T-shirt on, otherwise naked. I don't remember WTF I said to her, the pioneer was so embarrased that he became silent. I think we did our best not to look at her "little bush".
But I don't think we said a word about it...no jokes...nothing.