Many clothes ??

Sorry to let you know all the sentences are not correct to say to the woman in your situation. Grammatically, some of them may be correct, but no "foreigner" use these kind of verbs/phrases in spoken English, wear/clothes/deficient, etc., especially using Why to "question" the person in distress is a no no.

I encourage to speak out more but you're wise to seek help first. Try to listen to more English people speaks, even just listen to their talk on the phone may help.

Suggestion:
Excuse me, I couldn't help noticed that you're shivering. How come you didn't put on something warm during this cold winter time.
[This is about the meaning you wish to say, isn't it? But this is somewhat rude because she must have a reason that doesn't wear enough for warmth, it is not very nice to "question" her why.]

Nicer way:
Excuse me, I couldn't help noticed that you're shivering. It is getting cold tonight, are you alright? I hope you have a heavy coat to deal with this weather, haven't you?

English words/verbs/phrase to learn:

Put on = wear
Warm = more clothes
Heavy coat = cold weather clothings

To care for someone, ask "Are you alright?" is always nice and correct.

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