Do we have a tag for when an overgarment (jacket, cardigan, etc.) is worn without a shirt under it? no_shirt should not apply according to the current wiki definition. naked_(clothing) should not apply either if the character is still wearing underwear.
It seems there's some disagreement over whether underwear under an X constitutes "naked X" or not. The wiki for naked apron says there could be underwear underneath, but there's also nearly naked apron for when the nakedness isn't full nakedness.