Accessory for man reluctant to get hot drink at first (9)
I believe the answer is:
neckcloth
'accessory for man reluctant' is the definition.
I can't tell whether this defines the answer.
'get hot drink at first' is the wordplay.
'get hot' becomes 'cloth' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'drink' becomes 'neck' (to neck a drink is to drink it quickly).
'at first' is a charade indicator (letters next to each other).
'cloth' put after 'neck' is 'NECKCLOTH'.
'to' acts as a link.
Can you help me to learn more?
(Other definitions for neckcloth that I've seen before include "What could cover Adam's apple" , "Cravat" .)