Steve was reaching toward Zerxus and the remains of his clothing, at least the stuff around his chest, and then it's just not there. He very reasonably looks under the blanket and confirms that, yep. He is now in bed with a totally naked man.

Steve is not bad with words. Steve is, arguably not just articulate but capable of eloquence (of a particular style, anyway).

What comes out of his mouth in response here? "Uh." His hand gets forgotten on Zerxus' chest, and he'll notice the jewelry soon enough, but. "That was...." Abrupt? Potentially helpful? A clue? "Sure something."

He's going to need a minute. Or at least half of one.