One possible scenario could be that Percy got injured and Annabeth needs to tend to his wounds on his torso, so she takes his shirt off. For example, he might have been scratched by a monster during a battle, and she has to clean and bandage the wound quickly.
In the context of a fanfic, there could be a bet or a dare involved. Percy lost a bet or was dared to let Annabeth take his shirt off. This could lead to some humorous or interesting interactions between them as they both deal with the situation.
One possible scenario could be that Naruto is about to engage in a tough training session. He takes his shirt off to feel more unrestricted and ready to push his limits. It shows his determination and eagerness to become stronger.
It could be a story where Percy takes his shirt off during a training session. Maybe he's getting ready for a really intense sparring match and removing his shirt is part of his pre - fight ritual to show his determination and focus.
Percy might be really shy and hesitant at first. He could blush and stutter, not expecting such a request from Annabeth.
One possible scenario could be that Percy lies about a dangerous mission he's about to embark on. Maybe he doesn't want Annabeth to worry and so he tells her he's just going on a simple errand. Another could be that he lies about his feelings towards someone else in their group, like saying he doesn't trust a new member when in fact he does, just to avoid some potential conflict within the group that he thinks Annabeth would get involved in.
Perhaps in the fanfiction, there are other characters who are jealous of Annabeth's intelligence or skills. So they start spreading rumors or making unfair remarks. Percy defends her because he knows her true worth and capabilities. He would stand up and say things like 'You don't know her like I do. She's always been there for all of us.'
Well, it could also create a really deep connection between them. Since she can hear his thoughts, they might be able to communicate in a whole new way. They could team up more effectively in battles or quests. Annabeth could anticipate Percy's moves and decisions even before he makes them, making them a very powerful duo.
One possible reason could be that she suspects Percy has some sort of mark or injury on his torso. Maybe they were in a recent battle or encounter and she wants to check if he's okay.
One possible scenario could be that they meet during a training session at Camp Half - Blood. Percy is new and a bit clueless, while Annabeth is already an experienced camper. She might be showing off her skills, and Percy is in awe of her. Then they start talking, and there's an immediate spark of mutual respect and a hint of rivalry too.
Perhaps they are in a maze or a dangerous place filled with traps. Percy accidentally triggers a trap that releases a knife - like projectile and Annabeth, seeing the danger to Percy, moves quickly to shield him from it. This would show her deep loyalty and love for Percy.