The anecdote at the campground goes "At most camps, troublemakers get sent off to jail. Here, they stay." As love handles on Rick, in this case, and as the mass of clothes and hair he'll cough up later.

We don't usually see Smokey in a shirt and Rick on the other hand has learned from a previous meal. If he didn't unbutton that shirt he'd be sewing them back on after swallowing her.