I actually refuse to sleep without SOMETHING protective on. I live in fear of The Pee Dream
If I have The Pee Dream, I'm either wetting myself in my sleep or about to fail at getting to the toilet and subsequently wetting myself on the way there after figuring out it was The Pee Dream all along. I rarely exit a Pee Dream Experience wholly dry.
Because of interstitial cystitis, (at least I'm pretty sure this is why I have the PNE dx) I wet the bed a lot. Like, a lot a lot. Always have. And most of the time it's some flavor of pee dream because the big thing with that disorder is I basically ALWAYS feel like I have to pee, and sometimes it helps with the pain, so brain runs autopilot and fixes the problem before I wake up.
It could be "get to this perfectly normal toilet fast."
It could be "man why is there a maze on the way to the toilet."
It could be "this toilet is weirdly exposed but I'm already peeing a little and I need to save myself quick."
I also get The Accident Dream, which is closely related and honestly the more frequent one:
"You didn't make it and were nowhere near."
"You didn't make it and there was a toilet [of variable plausibility] right there too bad 。◕‿◕。"
"You got scared! Sucks you're the 'pees self when startled too much' kid because of course you got so scared you had an accident."
"You got emotional! Have wet pants because your brain does that for some reason."
"For some damn reason you can't actually move at all (maybe fear, maybe you're literally stuck somehow) and this is exactly why you're stuck here holding it good luck."
The "everything is normal except I'm peeing myself super slowly, I only just noticed it, and I can't figure out how to stop it and moving makes it worse" dream.
The annoyingly common "I DREAMED I wet the bed" dream that when I wake up thinking "haha not today Satan" I discover that yes, I have in fact actually wet myself (or am in the middle of it). ...or I sleep through that one and wind up having a number of subsequent accidents because those are always full bladder bursts and those reduce my ability to stay dry for hours afterwards.
The rare Diaper Dream, which can be either a) an accident of any of the above types, b) realizing you're in a diaper and you don't have to keep hurting yourself trying to hold it until you find a toilet, so you just wet yourself because WHY SUFFER, and c) the INCREDIBLY rare "Dom/me has diapered me and wants to see me made to use my diaper so they can use the thing it does to my head to force me to feel my feelings for a while before patching me back up with the sweetest aftercare ever."
I've actually experienced everything but the last thing, which I will admit is a fantasy of mine because that way I don't have to experience it without someone to hold me through it.
For me The Pee Dream is such a threat that I try not to take naps on public transit—it's caused close calls. I have a fear of having a huge accident on the bus with nothing and nowhere to change that comes from way too many close calls to count and more than one case where I didn't make it but somehow didn't get spotted — made it to my DOOR at minimum, losing control while trying to look normal getting off the bus in violently heavy rain (TOO close, but being drenched let me pass it off as the rain causing chills), and the time I thought ahead on a severe OAB day and wore a double stuffed pocket diaper for the day and managed to get to the driveway before I wet myself, out of view of the bus and out of the street lights.
In hindsight, this has been a problem for a very long time. And I know for a fact that part of the problem is I really don't start getting drowsy until my bladder hits the "I mean, we COULD go pee" point, and even if I have the sense to go the first time it happens, if I fall asleep too soon afterwards, before I can have a second void, Pee Dream. If it's an OAB day and I fall asleep fast enough, not just a Pee Dream, but typically an Accident Dream.