Why do you assume she was weirded out because she wasn't a cyclist.
Her tone. It conveyed "Thats weird but I guess it makes sense."
I have only purposefully unzipped a handful of times. Most of the other times I simply forget to zip up. The reason I forget is because I was a personal trainer for quite a while and wore windbreaker pants daily. After that stint zipping up was no longer a habit so I tend to forget.
I should point out that I dont outright open the fly and expose. It is also just the fly. I guess it is mainly just me. Oh well.