I think ... if you tried a "chance exposure" ... you could open yourself up to a visit from the authorities. Is it really worth the risk to try and chance exposure to someone you don't know and have no idea how they will react? What if you really upset those people. Is it possible that they may bring legal action against you? Sounds a bit more like exhibitionism than nudism.You may be right, in that it is your home and you are entitled to live as you wish ... BUT ... you've hired someone that comes to your home with the assumption that you'll be clothed or covered enough not to make them feel uncomfortable. If it were me ... no way, no how would I do it to get a reaction. In this case ... it would be much better to ask permission instead of pleading for forgiveness. The other party may not be willing to grant the forgiveness.
I tend to agree with you that a chance exposure is not probably the best way to go. The problem is that their arrival time is different every time, so unless I stay clothed or have with clothing with me when they start unlocking and coming through the door, I could easily be walked in on while naked. Then the only option would be to ask forgiveness...