You can totally sneak outside with a towel! I do have a towel model for her to wear.
Having it come off by itself would be tricky to code, but not impossible. Her clothes don't have world physics, so I couldn't make it slide off of her dynamically. With my current setup, it's definitely possible for it to just... pop off of her body and appear on the ground. Though, it would be a bit confusing to be running in a towel, and then suddenly be naked. Definitely possible, though.
Thanks for the comment! If you have any other suggestions I'm always open to hear them.