Tell her you have nothing to change into.
From Create Your Own Story
"So?" she says in reply, moving around the room to light a few candles. "Neither do I, but I'm sure as shit not going to sit around cold and wet all night. Besides, I think I might fuck you."
"Excuse me?" You say, taken aback with her forwardness. She's obviously a strange girl.
"You don't want to fuck?" She asks, shaking the flame from a match. "I mean, I'm not going to force you or anything, I just figured you might want to, the way you've been staring at my body."
She does have an amazing body. But the girl obviously has some issues, and a lot of secrets. She can pick locks, sneak around like at thief in the night, and doesn't mind too much watching a woman get raped with a baseball bat. You're not supposed to stick your dick in crazy, but maybe that doesn't apply now, since everything in and everyone is crazy.
You consider it for a moment.
