I'll normally wait a bit, in case it's just an animal.
After that, if I'm sure, I'll reach for my glasses. Next would be a T-shirt, if I think I'm going to leave the house.
Heck. These days I'm fairly relaxed. I confronted a neighbor while wearing just boxers and a t-shirt. Guy was hitting his girlfriend in the street. Anyways... that wasn't much fun, I was freezing after the first few minutes.
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