Okay weirdly this exact situation has happened to me. It was summer so I was sleeping naked, but then I heard the lock on the front door being opened. I thought someone was breaking into my house and I had enough time to either grab my sword or my nightgown, not both.
Two things I learned.
One, sometimes apartment complexes will flat out forget to tell you they're sending someone over from the fire department to check your fire extinguishers.
Two, no matter how bad ass a person thinks they are, a naked person swinging a sword at them will knock them off balance both physically and mentally.
However, the fireman was very nice about it and accepted my apology.
didn't think it could get any better, yet here we are