Embarrassed around naked milf (also hot under collar) (5)

I believe the answer is:

riled

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'embarrassed around naked milf also hot under collar' is the definition.
I can't tell whether this definition defines the answer.

'embarrassed around naked milf' is the wordplay.
'embarrassed' becomes 'red' (I've seen this before).
'around' is an insertion indicator.
'naked' indicates the central letters.
The middle letters of 'milf' are 'il'.
'red' going around 'il' is 'RILED'.

Can you help me to learn more?

(Other definitions for riled that I've seen before include "Irritated, provoked" , "get angry" , "Cross" , "Annoyed" , "Nettled" .)

I've seen this clue in The Independent.

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