A torso covered with thick enough hair that it could be mistaken for a sweater. In extreme cases, may be an extension of the neckbeard.
Robin Williams: total sweaterchest!
A female in town who is good enough to sleep with but not good enough to date, would not bring home to mom. Probably laugh about her with the guys. Swipped right because drunk.
Oh yeah, she's just a local bopper. Nothing like a Katie or a DeeNa.