Tattered Hand-Me-Down XL Hoodie by Myumi and TiltSHIFT (Patreon)

This is a ripped hand-me-down hoodie from Zach's dad (a men's XL; Zach is men's small or medium with slim fit) that Zach's been using for housework. It has blue paint splotches for when Zach helped repaint the shutters back home, less distinct splotches for chemicals like ammonia and bleach, and rips from wear and tear, particularly friction wear, scrapes from landscaping, and getting the fabric snagged on things like exposed screw and nail heads.

At the start of the visual novel, this is the only thing in Zach's dorm room that fully cover's Zoey's body, and it's debatable if it even does that. It certainly isn't acceptable for wearing in public, and the rips and splotches would attract more attention to a beautiful girl wearing it than the baggy outfit would hide of her body. 

It'll do in a pinch to disguise the precise amount of curves Zoey has, but it's a disguise that will last only a few minutes. The fashionista side of Britney is understandably upset that Zach is wearing what are little more than rags, but Zach can't just explain that he likes wearing his dad's old clothes when doing housework without it getting embarrassing.

Like it or not, the vast majority of male clothing won't fit Zoey anymore. Her boobs preclude all but the baggiest of tops, and her hips are so wide that she needs stretchy pants or else they won't go over her her ass.

This outfit is a bit weird to credit. TiltSHIFT drew the base sprite and the outfits visible through the rips, Myumi drew the hoodie and sweatpants, and I (CaptainCaption) edited both for consistency and added the "mess" to the hoodie. I would have liked to added more distinct fraying and friction wear with exposed white cotton threads, but there's a limit to how realistic I can get the wear.