The term VESTS ETC is a 12 letter phrase which can be used to describe UNDERCLOTHES. It is a general term that can refer to any type of clothing worn underneath other garments, such as undershirts, undershorts, and underskirts. Vests are also included in this category, as they are often worn as an extra layer of warmth or protection. In addition, vests can be used to add a decorative element to an outfit.