The bet was that the looser had to dress as a French Maid. Would that normaly include panties, nylons & heels?

A proper French Maid always has ruffled panties, stockings and a garter belt. No fishnets, they are tacky. They should be sheer black stockings, held up with a garter belt, and with 4" black pumps. No pantyhose please, they are for old ladies, The makeup is not important, but the stockings, heels and garters are an absolute must, otherwise its just a dress and apron.