Now you know why I always wear a very long t shirt at water parks.....i would certainly die in a similar situation....you're a better man than i am, so to speak....
by the way, this happens a LOT at water parks....and not just at water parks.....also at plain old quiet swimming pools.....swimsuits coming off, or things unexpectedly popping out that shouldn't be seeing the light of day....
having spent many many days of my college years as a lifeguard at a pool and lake, I can assure you that you are not alone.......though that probably doesn't lessen your embarrassment....but usually misery does love company....
and i bet this will be one of those stories you laugh the most about in years to come....