>>2287264If it's a fantasy setting you could have getting caught result in a magic effect preventing the heroine from putting that article of clothing back on when she returns to safety (for instance, a glowing magical glyph on her leg preventing her from wearing pants/skirts).
Getting clothes back could be a matter of finding rare consumables, making the only real option the heroine has being to continue fighting like normal and hope she can reclaim her wardrobe.
And depending on the style of the game, you could even put in town failed adventurers with some or all of their clothing locked away, trying to make peace with their situation.
