Scruffy mattress in tatters, loot initially stuffed inside (10)

I believe the answer is:

bedraggled

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'inside' is the definition.
Both the answer and definition are adjectives. Maybe they are linked in a way I don't understand?

'scruffy mattress in tatters loot initially stuffed' is the wordplay.
'scruffy mattress' becomes 'bed' (I am not sure about the 'scruffy' bit.).
'in tatters' becomes 'ragged' (I've seen this in another clue).
'initially' suggests taking the first letters.
'stuffed' means one lot of letters goes inside another.
The first letter of 'loot' is 'l'.
'ragged' enclosing 'l' is 'raggled'.
'bed'+'raggled'='BEDRAGGLED'

Can you help me to learn more?

(Other definitions for bedraggled that I've seen before include "Unkempt" , "Very untidy" , "muddy and dripping" , "Wet and dirty" , "Dishevelled" .)

I've seen this clue in The Times.

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