shirt
褕 centers on a specific type of garment: a shirt. The meaning is narrow and concrete, without broader abstract extensions.
褕 combines the clothing radical 衤 with the phonetic component 俞, suggesting a garment whose name is related to the sound of 俞. The exact historical development is uncertain.
The left side 衤 is the clothing radical, and the right side 俞 looks like a person wearing a robe. Picture a simple shirt draped over the shape of 俞.
For ユ, imagine you putting on a shirt: you -> ユ, and the shirt is the garment 褕.