Topless dress design is self-inflicted disaster (3,4)

I believe the answer is:

own goal

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'is self-inflicted disaster' is the definition.
I can't tell whether this definition defines the answer.

'topless dress design' is the wordplay.
'topless' means to remove the first letter.
'dress' becomes 'gown' (gowning is a kind of dressing).
'design' becomes 'goal'.
'gown' with its first letter taken off is 'own'.
'own'+'goal'='OWN GOAL'

Can you help me to learn more?

(Other definitions for own goal that I've seen before include "Self-inflicted problem" , "Costly footballing error" , "unintentional problem for herself, say" , "Action that backfires" , "Self-made disadvantage" .)

I've seen this clue in The Independent.

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