Better safe than sorry. Hard hats, steel toes, pink dresses; it's all the same. P.P.E. Don't leave home without it.
Insurance claims.
"What happened?"
I was struck by lightning.
"Were you wearing your pink dress?"
No.
"Sorry, we can't help you."
Awe.
Start buying all your shirts two sizes too big. The bagginess puts you safely into a grey area. If your shirt is large enough to be a dress, it becomes an issue of comparative negligence. There is a personal injury lawyer ad on the laptop you just got electrocuted by, ready to take your case.