No, propose another wager, double or nothing.

“I don’t believe you princess, but I think I have better suggestion.” You counter. “Why don’t we let the cards decide? Double or nothing; high card wins. If you win, we keep our current clothes; you with four and me with just my underpants. If I win, we are tied with two pieces each, which means I get my pants back but you have to take off your shirt and pants.”

Ashley thinks about it for a moment and agrees. “Ok deal.”

“Ladies first.” You hold out the deck and let Ashley pick first.