Yes, there are some stories here that are pure BS, but I think the majority of us recognize them for what they are.
As for me, I have been out maybe a half dozen times in the daylight (never at night). I dress away from home (about 12 miles away) and only go to what I consider safe locations.
Oddly, it has never been a problem walking out the door dressed. My only problem is remembering to stand up straight.