I rarely dream about either work or school.
SCHOOL DREAMS:
The few dreams I have about school are never bad ones, though. I guess it's because I am one of those who (due to no particular expertise, brilliance, or valor) happen to "test well". That shows up mainly on standardized tests, but also seems to make a difference on my final exams. Added to having a slight edge due to testing well, is the fact that I am a bit of a perfectionist and study like a maniac, whether it is necessary or not.
Anyway, I don't worry about being underprepared for tests. I go in there with confidence in my level of preparation, and severe determination to power through the test, always. On the rare occasion when I dream about going to a final exam, it's with a feeling of VICTORY. I know I am prepared and at last I can nail it and put it behind me forever.
OK, there was ONCE (in real life, not a dream) when I was 17 minutes late for my Thermodynamics final exam because I had to pick my kid up after school and get her to an unfamiliar by-the-hour daycare place, which I never had done and hated having to do. At the time I had no choice for a variety of complicated reasons. Anyway, by the time I got to the exam building all the parking was gone. I had to park blocks away and run. So I was late, but you know what? The proctor gave me 17 minutes extra at the end of the final to make up for it, after he had collected everyone else's test. I never in the world expected that and it sure renewed my faith in humanity. I nailed that test too, so if I ever dream that I am late, I am still confident.
As for arriving naked..... nope, never dreamed of that! I can't even imagine.
WORK DREAMS:
Hardly ever dream about work, but if I do mostly it is just boring, hum-drum stuff. Sort of like work in real life.
If anything catastrophic happens in the dream, I just say, "Sorry, you will have to handle this alone! Got to go!" and wake up. Good time to pull lucid dreaming skills into the mix.