Just a clarification guys and gals.  The only one I know for sure is naked is Morgul, but beyond that I know I had Eldrith dress as quickly as she could in her robe like armor she had came into the town in at the beginning, and Zachariah is in his own gear as well.  I also know that at least one of the women only had time to grab her chestplate and a few other items.  Still, just wanted to be sure we weren't being confused or something lol.