The response to it as bait is that anyone saying that seriously is an idiot.

If you are referring to this:

Once she was done, I say to her “Let’s get you out of that wet dress. I imagine it must be uncomfortable. I’ve never actually worn a wet dress before”.

That is just someone who blurts out a thought they had after saying something else, pretty common with ADHD. Like at first they were thinking about wet shorts, which can get pretty uncomfortable fast if they aren’t made to get wet, then realized dresses might not have the same feeling since they aren’t connected in the middle. I could absolutely see myself saying something along these lines depending on the material of the clothing and the appearance of how it sticks to the body.