Oh, he's made a grave mistake. And he knows there's a time limit to cover it up, so his mind is racing.

"Well, you know, without your permission- I mean, there could be creeps out there trying to sneak a peek while you're changing, let alone while we're fooling around."

He's trying his best to sound chivalrous, like he has any ground to stand on, while knowing full well that he is himself that type of creep.