Crossword Genius

Down at heel half-hearted rogue in piece of cloth (9)

Ross

I believe the answer is:

handtowel

I'm a little stuck... Click here to teach me more about this clue!

'cloth' is the definition.
(I've seen this before)

'down at heel half-hearted rogue in piece' is the wordplay.
I cannot really see how this works, but
'down' could be 'd' and 'd' is present in the answer.
'piece' could be 'n' (abbreviation for Knight in chess notation) and 'n' is found in the answer.
'at' is found in the answer.
The remaining letters 'howel' is a valid word which might be clued in a way I don't understand.
This may be the basis of the clue (or it may be nonsense).

'of' is the link.

Can you help me to learn more?

(Other definitions for handtowel that I've seen before include "drier" , "cloth" .)

I've seen this clue in The Independent.
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