Actually, Cherry aka Neneh Karlsson had quite a geographically and culturally varied upbringing with some erstwhile guardians and parents including, he Mum's second husband, the jazz musician Don Cherry, who I think was cohorts with Sun Ra... So I'd be surprised if she was a fool but sometimes a rich childhood means you slacken off in adulthood so you might be right.
I think Aldo's experience of Karlsson in the buff stems from her Swedish background, where it is quite normal to conduct everyday duties minus clothing. The same applies in Finland, and to a lesser extent in Denmark.
I'd be surprised if Palmer wasn't foolish to be honest