If you log in and remain a cloud and rebaking gives you a partially dressed "ruth", and you get an error message when you try to re-wear your shape, skin and clothing that your shape and clothing are still downloading, first try clearing caches and relogging. If that doesn't work, try this:
Advanced menu
Character
Character Tests
Test Female (or Test Male as the case may be)
This will put you back to the original "ruth" avatar, and you will then be able to wear your desired shape, skin, clothing and attachments again!