<human>: Can you provide a brief rundown of the text in within 3 sentences?

So here's the backstory. A girl around my age came up to me this morning and asked if I'd mind sharing my umbrella because it was pouring out and she was going where I was anyway. I said yes and in case you're wondering, I'd extend to a guy the same courtesy.  

Later that day, I'm walking home with my umbrella, it's still pouring out, and a girl around my age is also walking home with no umbrella or raincoat. I felt badly for her since she was wet as a drowned rat. I asked her if she was okay, but she just hurried ahead of me.    
I feel even worse because I'm afraid I spooked her or something.
<bot>: Is it creepy to ask a woman if she wants to share an umbrella if she doesn't have one and it's raining out?