Q. We can’t take 1 Peter 3:3 to be literally saying “no gold & no hair-styling” because if we do, don’t we get “no clothes”?
A. No. I don’t know of anyone who thinks the phrase that is rendered in the KJV as “Whose adorning let it not be…putting on of apparel” means Peter is trying to convey the thought “don’t wear clothes”. I do see translators and commentators who think Peter is literally & clearly saying: don’t wear “fine clothes”, “extravagantly beautiful clothes” or “expensive clothes”. Peter seems to associate a right heart and its corresponding correct appearance as one that excludes a few things like gold jewelry, hair-styling, & fine clothes. 1 Peter 3:3 seems to be a very simple and very clear argument that some “adornments” are excluded from a right, Christian appearance.
(Sometimes here & there questions are raised and sometimes I’ll give a go at trying to formulate an answer to them. If you see a question here, someone raised it.)