Okay, Bert, so are you saying this actually happened? If so, it's interesting, because there seem to be a fair number of stories around about ghosts who are seen wearing their clothing, so this one would be an exception to the usual.

It's quite clear that clothing cannot rise up out of the dead body the way a spirit can. However, the thought of the clothing could still be held by the spirit, in which case it might appear to be clothed.

Perhaps. I'm just theorizing here. Spirits seem to appear in a great variety of ways, and it may be dependent both on how they are thinking and how the one observing them is thinking at the time.