shirtclamming
(verb) To walk around wearing a shirt but no pants or undergarments. Similar to Shirtcocking, but for ladies. Shirtclamming, like shirtcocking, is for when you absolutely must be naked, but don't want a sunburn, or it's too cold to fully commit. Only people with ladyparts can go shirtclamming.
"It was kinda cold at the nude beach, so Lynette went shirtclamming to fit in."