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>Public Swimwear Malfunction
-Swimming at a beach, and a rip current takes her swimsuit (never to be seen again (or for /h/ stories, a surfer finds them down the line, and returns it at a price)), and it's a holiday weekend, so the beach is packed with people (she's far enough away where it would initially be hard to notice, and waves are generally bigger and more fun to catch (a particularly large enough wave is what takes her suit away), with other swimmers eventually wanting to go out deeper to catch them as well (surfers and such)).
-Subathing or photoshoot, wearing a one-piece or sling bikini. the bottom portion gets caught, and too much struggle will split the suit in half, from the bottom-upward.
>Impromptu heated situation leading to compromised/absent clothing(either self-induced or romantic)
-Climbing a tall tree, a branch breaks, and gradually strips her as she falls down, branch by branch (can't get a grip, and the more compromise, the more difficult she can save herself with her clothes intact (conditions mostly being the less clothing, the safer she is.)
-Rock climbing (alone/with a partner) climbing a real/artificial mountain (artificial being like a carnival or gym one). She bothches a harness hooking, and it ends up gradually stripping her.
-In an office with a message vaccuum tube (like you see at banks or large factories), during a discussion or clumsily putting papers away, her suit (starting with shirt or skirt) gets sucked in, and she's too distracted to notice at first, but then it's too late and her clothing is too deep/caught inside the tube, and optionally, if on a dare, or being the daring type (flirty/exhibitionist-ish), isn't wearing underwear either. No real method of hiding a good or bad result is available (window/mirror, no door or tall desk to hide behind).
-Fashion photoshoot in bodypaint. Gets lost in public (busy studio with tours happening), and she's wearing the wrong kind of paint that she is steadily sweating off her skin.
