Cover
Incur
That outfit on your skin is there to cover you up. In polite society, it's expected that you cover your skin with some kind of outfit — even if you have to wear something that causes you to incur damage, like circulation-cutting skinny jeans or a shirt with a really scratchy tag.
ひ
かぶ
None
Another reason to cover yourself is to retain heat (ひ). Actually, retaining heat and staying warm is probably the reason people started covering themselves up in the first place.