Cryptic crossword clue
Dress warmly before a game of golf in this garment 10

The most common and most likely answer to this crossword clue is the 10 letter word WRAPAROUND

I've seen this crossword clue in The Daily Telegraph
W
R
A
P
A
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O
U
N
D

Buddy explains!

The straight part
We know that "this garment" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case this garment = wraparound.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does WRAPAROUND mean?

WRAPAROUND noun
  1. A garment that is wrapped around the body and tied.
  2. A label or advertising display that wraps around a container.
  3. A segment where material featuring one person (such as a reporter) is introduced and concluded by another person.
  4. An extension to a property that combines side and rear extensions.
  5. Word wrap, the word processing feature that moves text on to the next line if it will not fit on the current one.
  6. Wrapping of numerical value in case of underflow or overflow
WRAPAROUND adjective
  1. (of clothing) designed to be wrapped around the body and tied
  2. (of windows, lenses, etc.) that extends around a corner or bend
  3. Serving to surround or bookend something else.
WRAPAROUND noun
  1. A form of mortgage in which the seller of a property extends to the buyer a junior mortgage which exists in addition to any superior mortgages already secured on the property. The seller accepts a secured promissory note from the buyer for the amount due on the underlying mortgage plus an amount up to the remaining purchase-money balance.

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