Cryptic crossword clue
Tucker lent bum warm top 10

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

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Buddy explains!

The straight part
We know that "warm top" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case warm top = turtleneck.
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 TURTLENECK mean?

TURTLENECK noun
  1. A high, close-fitting collar, turned back on itself and covering all or most of the neck, on a sweater or similar garment.
  2. A turtleneck sweater.

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