If I were soaking wet and had the option to wait and find a towel to lay down before getting into the car, it would be advisable to wait and use a towel to protect the seats. Sitting in a car while soaking wet can lead to water stains or damage to the seats, especially if they are made of a material that is sensitive to moisture.
Waiting to dry off or finding a towel to sit on will help prevent water from seeping into the seats and potentially causing stains or unpleasant odors. Additionally, excess moisture can contribute to the growth of mold and mildew, which can be difficult to remove and may result in long-term damage to the seats.
If you don't have a towel readily available, you could consider using other items such as a blanket, spare clothing, or even a plastic bag to create a barrier between your wet clothes and the car seats. The key is to create a temporary protective layer until you can properly dry off or change into dry clothes.
Taking a few extra minutes to find a towel or protective covering can save you from potential seat damage and ensure a more comfortable and clean ride.