When it comes time for exams at school, I'll have at least one dream where I show up to school without any clothes on. The reaction of the other people in the dream has run the gamut from ridicule of my situation to appearing to not notice, though mild discomfort seems to be the norm. If memory serves, I kind of feel a bit helpless in the dream.
This has been a fixture of my life since jr. high. Back near the end of high school and the first couple of years of college, not only would I have this dream, but at least one evening during exam week would find me huddled in the bathroom throwing up. Thankfully, that no longer happens. It didn't and still doesn't matter how well prepared I thought I was for the tests. I'd still have the dream.