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Speak to daughter wearing a formal garment (7)

Ross

I believe the answer is:

address

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'speak to' is the definition.
(synonyms)

'daughter wearing a formal garment' is the wordplay.
'daughter' becomes 'd' (genealogical abbreviation).
'wearing' means one lot of letters goes inside another.
'formal garment' becomes 'dress' (dress is a kind of garment. I am not sure about the 'formal' bit.).
'a'+'dress'='adress'
'd' put inside 'adress' is 'ADDRESS'.

Can you help me to learn more?

(Other definitions for address that I've seen before include "Where you live" , "Speak to at home?" , "directions in window" , "Direct words at" , "In almost desperate straits" .)

I've seen this clue in The Times.
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