Hot needing rather loose garment (5)

I believe the answer is:

habit

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'loose garment' is the definition.
'habit' can be an answer for 'garment' (habiting is a kind of garmenting). I'm not certain of the 'loose' bit.

'hot needing rather' is the wordplay.
'hot' becomes 'h' (abbreviation eg on taps).
'needing' means one lot of letters go next to another.
'rather' becomes 'abit' (I've seen this before).
'h'+'abit'='HABIT'

Can you help me to learn more?

(Other definitions for habit that I've seen before include "Riding garment" , "Custom; clothing" , "Addiction to a drug" , "Custom or established practice" , "Propensity" .)

I've seen this clue in The Sun.

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