Possible Clues:

• Are wet otherwise, donning our gear
• Garment fittingly represented by this puzzle's circles
• Jackets, coats, ponchos, etc
• Public regiment about to accept external cover-up?
• Ragged sleeveless sweaters among our top layers of clothing
• Shivering, we rate our winter clothes
• Are our wet shifts waterproof?
• Clothing on top of other clothing
• Oddly we tear our clothes, visibly worn
• Top clothes