Yes I nearly did.
my girlfriend (at the time) and I was both sat on the front seat of my car, (if you get my meaning) in a car park with no other cars around, quite late at night. This old woman drives into the car park and got her dog out to take him for walkies.......................a whole car park empty except me and this dog walker, and guess where she decided to park?...............only next door to my car!! LOL
Some years ago, We were making love on a deserted stretch of beach early in the morning. My girlfriend was on top. Just as I was reaching the "Point of no return", I looked to one side and saw a lady walking her dog coming towards us. She stopped. I couldn't. But it was a very exciting climax.
I've been caught in the act a couple of times, though on one of those occasions it was possible to hide the fact, watched at least once, and nearly caught a number of times.
lol ... Yes, the risk factor does add a certain edge to such naughtiness ...
last autumn I was giving a bj in the ladies dressing room before the other cast arrived-that could have been tricky to explain-unless we were rehearsing for a part!