I agree that Miss Francatelli was probably on a nice wage, but she threw on a bizarre assortment of clothing, that you wouldn't wear if you were expecting to go back to bed, including an apron. Maybe, given her job, she was more practical and sensible than her carefree employer, and was thinking ahead. I wonder if Lucy was thinking she could go back again, which is why she didn't even take her jewellery. I will have a look at the film, I can't remember what the actress wears. Maybe they used Lucys recorded clothes on Mrs Brown instead as it was the best description of a similar class passenger?