You have perfectly valid questions...you need to ask that of the MC, he/she needs to understand where you are coming from on this issue. If it were a matter of your W sleeps nude during certain times of the year previously...but then also slept in PJ's when it was colder...then it would be much easier to understand she does it for comfort, but from what you say....that's not the case.
I would ask those questions of your MC....for clarification