The closest I've come to this was leaving my socks and grundies in my locker and, following my shower, having to go commando back to the locker (it's in a corridor a long way from the changing rooms) and furtively get re-dressed in the bogs.
I've also ripped a sock in half when putting it on (if anyone knows a source of decent sized socks like 10-14, rather than the 9-12 I have to put up with, please tell me) and had to wear the sweaty one I used to cycle in. Fortunately I wear black socks for cycling in winter, because white ones look silly peeping out below my longs.