S.H.
Well she just does not seem to like anything that is 'snug.'
Some kids, and adults, are this way.
The difference is: DOES it, cause a problem in everyday life to the point that it disrupts, normal life? or not? If it does, then... that is a 'problem' because the person cannot get on with normal daily life, otherwise.
If the person can still get on with daily life and it does not impede nor handicap them nor others over it... then, it is an "annoyance."
Thus, it is about discerning... the degree of, the issue's intrusion, into daily life or not.
My daughter, pull and tugs at her panties. I remember as a child doing that too. It was for me, a phase. I just did not like it, the feeling of it, bunching up or the seams etc. But I was fine and it was, I knew, a phase. I was cognizant of that.
For my daughter, it does not impede, her daily life nor her ability to get dressed or to wear clothing. She wears jeans and pants and what not. She just tugs at her panties. She has no medical issues or problems. She's just a little picky.