Crossword Genius

Is it too hot to wear anything? (5,5)

Ross

I believe the answer is:

naked flame

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'is it too' is the definition.
I don't know anything about this answer so I cannot tell whether this works.

'hot to wear anything?' is the wordplay.
'hot' becomes 'flame' (I've seen this before).
'to' means one lot of letters go next to another (I've seen this in other clues).
'wear anything?' becomes 'naked' (I can't justify this - if you can you should give a lot more credence to this answer).
'flame' put after 'naked' is 'NAKED FLAME'.

Can you help me to learn more?

(Another definition for naked flame that I've seen is " could it have led to hot water?".)

I've seen this clue in the Evening Standard.
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