Cover us in garments, only the lining's wearing out (9)

I believe the answer is:

overusing

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'wearing out' is the definition.
Although both the answer and definition are present participle verbs, I don't understand how one could define the other.

'cover us in garments only the lining's' is the wordplay.
'OVERUSING' is hidden in amongst the letters.
But, I am uncertain how this is indicated.

Can you help me to learn more?

I've seen this clue in The Guardian.

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