I never go outside less than fully covered.
I get my paper from the store, so fully dressed. But even when I'm running out to get the mail or take out the trash, I need to at least have pajama pants/yoga pants, a shirt, a bra, and shoes. And my hair brushed/face washed.
There was a time I couldn't bring myself to go to the mailbox (which is at the end of my driveway) without taking a shower, getting fully dressed (including my jewelery), pulling my hair into a ponytail, and brushing my teeth first.