As you want the risk of being caught naked this might be a good dare for you:
When ever you change your clothes you're not allowed to do this in the bathroom, a changing room or any other "hidden" place. You always have to do it somewhere where you can get caught!
It's ok if you hide yourself with a towel or similar (for example: You change at your spot on the beach but make the 'toweldance'), as long as there is still a chance you might fail to cover yourself - i think you got the idea
If you're brave enough you just do it quickly without cover and hope nobody will see you
