Should this be a dress or a top?

Hi. I'm working on a hoodie right now (along with, like, five other projects, lol) and I noticed that the item in real life is quite long. Could this be made as a top or does it have to be a dress. I know it would require bones that are not found in a top so I'd need a resource that has those bones, but I'm unsure if something long like this can be a top.