underclothed

/ˌʌndərˈkloʊðd/
adjective
  1. Wearing too few clothes for the weather or situation; not dressed warmly enough.
    • The children were underclothed for the cold morning, so their mom made them put on sweaters.
    • He realized he was underclothed when he stepped outside into the freezing wind.
    • She was underclothed for the winter hike and had to borrow a jacket.
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