The worst is when I'm downstairs - if I don't hear a car drive up (rare) and since I have no blinds on my windows or the full glass front door, there's really no way to find anything to cover myself with if someone comes by unexpectedly.
Granted, that's happened probably 4 times in the 6 years I've lived here since usually either I or one of the dogs hears a car out front, but answering the door with the sofa throw wrapped around you is interesting
If I'm upstairs, I can usually grab a pair of shorts or something even though you CAN see the upstairs (loft) from the front door. Hell, it's my house. If you don't want to see me 1/2 naked, call first!!