What does the cryptic crossword clue "I don't care it's an often-muddy female accessory (2,4)" mean?

The definition is "I don’t care". The wordplay uses a charade (building blocks). SOW (synonym="‘often-muddy female’") + HAT (synonym="‘accessory’") = SOWHAT; definition: "I don't care" The answer is SOWHAT.

I don't care it's an often-muddy female accessory (2,4)

Guardian Cryptic #28906 | 22 Down | 2022-11-04 flower

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