In the Ian Fleming novel Dr. No, James Bond first encounters Honey Rider emerging from the water naked◊ instead of wearing the famous white bikini of the movie and is surprised when her version of the standard female modest gesture includes hiding her badly broken and disfigured nose instead of her breasts.
Archchancellor Ridcully quickly demands Ponder Stibbons' hat for this purpose in Terry Pratchett's Night Watch when his bathtub ends up in the courtyard (long story) and he realizes that among the men of the City Watch there are, in fact, also women.
Ridcully himself saw this trope in action in Reaper Man, when an unlucky shopper's suit ran away and he chased it into the street, with only a hastily-grabbed washcloth to serve as a substitute garment.
The master bathroom at the Ramkin country estate is decorated with white marble lovelies dignified with urns, bunches of marble grapes, and the ever-popular length of gauze which had, happily, landed in just the right place to stop art from becoming pornography.
It depicted the ever popular "Venus-Aphrodite surprised by a sculptor and struggling to cover her tits with one hand and keeping her drape at waist height with the other" so beloved of art connoisseurs in the long weary days before the invention of Internet porn.