Garment making girl very warm in the middle (5)
I believe the answer is:
dhoti
'garment' is the definition.
(dhoti is a kind of garment)
'girl very warm in the middle' is the wordplay.
'girl' becomes 'di'.
'very warm' becomes 'hot' (I've seen this before).
'in the middle' means one lot of letters goes inside another.
'di' enclosing 'hot' is 'DHOTI'.
'making' is the link.
(Other definitions for dhoti that I've seen before include "Skimpy item of clothing" , "garment in India" , "Lean over; end of loaf" , "Hindu loincloth" , "Simple Indian garment" .)