Wearing naked

Tonight my eldest daughter was complaning she had to turn the TV up to get over the noise of the heater. We told her just to turn off the heater and put more clothes on so she doesn't deafen us with the TV from the next room ...
My partner said "look at you, you're only wearing a t-shirt. I'm wearing THREE tops".
I said "I'm wearing a jumper".
Toddler says "I'm wearing naked!"
And yes, she wasn't wearing anything at the time.