coverlet, bedspread
裯 centers on a cloth covering used on a bed: a coverlet or bedspread. The kun reading はだぎ (undershirt) extends this to a garment worn next to the skin, but the core idea remains a fabric layer.
裯 combines the cloth radical 衤 with 周, which likely provides the sound. The character originally referred to a type of bed covering or thin garment.
The cloth radical 衤 beside 周 (which can suggest 'surrounding') gives the image of fabric that surrounds you in bed: a coverlet or bedspread.
For チュウ, imagine choosing (チュウ sounds like 'choose') a soft coverlet to wrap around yourself: choose -> チュウ, and the cloth radical 衤 reinforces the fabric choice.