You left out the part where you're naked in public. Even Tuvok had that dream.
Nope, never had that dream. Lots of dreams with naked members of the opposite sex, ironically people I know. It makes seeing them during the week amazingly strange.
One more recurring dream, showing up for a college final after blowing off the entire semester of classes and feeling screwed.
Back to topic before steverino splits this into a new dreams thread... teenagers are generally very inexperienced at life, especially when parents take care of everything for the kids to the point they haven't learned anything in life. I heard lots of stories about my daughter's college friends who were clueless about all sorts of things. I could see how this could happen to the best of us. Especially in big cities with mega parking complexes.