Jewel vs Jewelry / clothe / clothing

The word 'jewels' can simply refer to valuable or precious stones. 
On the other hand, 'jewelry' refers to something decorative to wear that is often made of valuable metals (such as gold and silver) and precious stones. However, some jewelry does not contain any precious stones at all.

'Clothes' refers to individual items that you wear. You pack your clothes in a bag/case before you go away (on holiday).

'Clothing' is the collective noun for all sorts of clothes as in ' Women's/ Men's Clothing department' in a shop/store.

You could compare these two words with 'shoes' suggesting individual shoes/pairs of shoes and 'footwear' as the collective noun.

chafe! (피부가) 쓸리다; (피부를) 쓸리게 하다

1. When the strap is too tight, it chafes the baby's skin.
2. If my boots aren't laced up tight they chafe.
3. The baby's skin will chafe if the strap is too tight.