Is it cruel to make your pet wear clothes?

My daughter used to dress up her dogs and all they did was chew on whatever item it was until it was full of holes and off. I try putting a sweater on my little dog in the winter when it is cold because I keep my heat down low and I don't want her to get cold, but she manages to get out of her sweater. My daughter who lives with me has a jack russell who shivers in the winter so he gets a sweater and does not seem to mind it at all.