This "should" be fixed for both--but if it's still an issue, please post sample text of the scene where this is an issue. Due to how some scenes are set up, not all places will have her coat marked as visible (since it's not really an item check--it's more of checking if a variable is flagged whenever her bust is being displayed, similar to a check for her maid outfit).
Hopefully fixed for the next release, but I don't think the text explicitly mentions her being nude (despite the inline CG showing as such--but the CG doesn't need to match the text exactly), so she'll have the coat on at least.