If you're willing to put a bit of sci-fi into the concept, maybe she is employed by a company to test a new cold weather invention that allows the human body to survive cold weather conditions without any other thermal gear. As part of the test she has to perform a number of regular outdoor activities and report back on how she feels.
Ideas why she is nude;
1) The device is only a prototype, and cannot be worn with clothing. The company send her to stay in what they believe is an empty ski resort so that she has privacy, but due to an administrative clock up ends up in a busy family resort.
2) She is sent to the family resort with instructions to wear shorts, a t-shirt and the device to test how it handles cold weather conditions. Something happens to her outfit - the prototype overheats and burns them off, or maybe when skiing they catch on a tree.
In either scenario the main character desperately needs the money so has to continue regardless of the conditions.
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