underclad

/ˌʌndərˈklæd/
adjective
  1. Wearing too few clothes for the weather or situation; not sufficiently dressed.
    • He arrived at the formal dinner underclad in shorts and a baseball cap.
    • She felt underclad in just a T-shirt when the temperature dropped suddenly.
    • The hikers were underclad for the mountain cold and had to turn back.
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