I agree that there is a danger that we all hear what we want to hear. How about when the two of you are just relaxing you say "By the way, I'm not being funny, but what were you implying when you said that there was nothing to stop me wearing a skirt?" If she gets defensive about what was probably just a throwaway remark tell her "Well actually the idea was a bit of a turn on if I'm honest"....
After that you're on your own and good luck :D
Zoe
