No offense, but who is in charge here? I totally agree that you should check for tags, scratchy bits, and that you should consider the temperature and make sure that she is not over dressed. But staying home because she doesn't want to wear clothes sends a bad message to toddlers who really need and want limits set for them.
If you can "carrot" her into something ("let's get dolly dressed", or "who can come up with the silliest sock combination?", etc.) then well and good, but if not, there are going to be a lot of things in life she's going to have to do that she doesn't like. Asking her to wear clothes is not unreasonable. If she didn't want to get buckled into her car seat you would make her do that, right?
I totally know the feeling that its just not worth the hassle of enforcing the rules, but that's a slippery slope. Just my two cents...