The term GARMENT WITH ARMS can be solved by the crossword solution SHIRT, which is a five-letter word. A SHIRT is a type of clothing that covers the upper body and has sleeves for the arms. It is usually made of a lightweight fabric such as cotton or polyester and is often worn with other items of clothing such as trousers or skirts. Shirts are commonly worn in both casual and formal settings and come in a variety of styles, colors, and patterns.