What does a girl who never ever covers her midriff and shoulders do when she's offered a jacket?

You're getting ready to tell us, right?

I know when I was wearing no sleeves entering the Sistine chapel in Rome when I started to enter the nun pointed to my shoulders that were bare...out of respect I put on my jacket and then entered.

My guess is depending on the circumstances it is an easy thing to be considerate and respectful and put on the jacket.

Kind of tough to give an opinion without understanding the circumstances.

If it's warm she freezes up inside and if it's cold she enjoys the matching ensemble.