I hate having to sit in wet clothes. Not a fear, but it's really damned uncomfortable, and I would do just about anything to avoid it. This would often happen when I went swimming and didn't have the foresight to pack an extra pair of shorts, or if I had the misfortune of getting caught without an umbrella in a downpour of biblical proportions. Having to sit in a car in wet clothes without a towel is the worst.
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