My most glorious what-have-I-done? moment came while living in Guam, which has earthquakes. I am a Texan, so was not used to such geological tomfoolery.
I was in my half of a little duplex that, thankfully, was one of only two houses on the road, the second far away. It was 2 or 3 a.m. and the dogs and I were sound asleep when a big one hit, a 7.0 of long duration.
I SHOT out of bed in a complete panic and began to make my way to the front door, cleverly grabbing my purse and keys. The dogs and I could NOT get out of the house fast enough.
I'm outside, gasping, shaking, and it's pitch dark (whole island lost power pretty much instantly). The dogs are beside themselves with fear. The quake is still going on.
It's then I realize I'm standing there, purse on my shoulder, keys in hand ... and nekkid as a jaybird!
I ran back inside, to the dog's great dismay, grabbed a sarong, and thanked the deity the guy living in the other half of the duplex hadn't been home to see the other "natural disaster" the island experienced that night!