I'm usually prepared with suitable clothing for top-down motoring - although I've been caught out a few times!
I had to go down to BHM this morning - sun was out and it wasn't too cold, so had a good drive down. On the way back I called into our local Ford dealer to arrange the insurance on the new tin-top so they could get it taxed. Before I'd even got out of the Mog all the salesmen were lined up at the show-room window with envious "why couldn't I sell those instead" looks!