Cassandra has her sword, as detailed in her finding it in the bar (I engineered a way to arm her
) But she is indeed only wearing a light jacket over a rather silky, flow-y top and some leggings, along with simple shoes. Her whip and armor are at home. Her Healing Belt is either worn, if it is allowed to be a smallish, unremarkable belt in appearance, or home. Everything else that's not in her satchel is at home.
Also, I'd roll a Sense Motive for the lulz, but that seems silly. Cassandra's a tad... naive... at this point, at least...