Translation:I wear trousers and a shirt or a dress.
it is more complicated
czy is only for questions. It is impied you have to choose one and only one. No is not an answer.
Chcesz kawę czy herbatę. (Do you want coffee, or do you want tea)
albo is more for statements but can be used in questions too. It is implied that you choose one , bot you also can say no
do you want ( coffee or tea= choose one)
lub is for statements but can be used in questions too. It works like English or
do you want coffee or tea
of course it is not that clear cut. Unless a law somehow changes from albo to lub, and we have a government collapse when it's exposed.
"Noszę" in fact means only "I wear". Or "I carry". Anyway, only Present Simple. It is one of those rare examples where the Polish verb actually cares about the Present Simple/Present Continuous distinction.
"I am wearing" translates to "Mam na sobie". But this construction seems to have been forgotten by the course creators.
I agree that this is ambiguous. In logic, from a mathematical point of view, there is no prioritization of the operators like in arithmetics (multiplication before addition). Therefore only a comma would make it clear.
"I wear pants AND either a short or a dress" would be "Noszę spodnie i albo koszulę albo sukienkę." There is a fine line between a tunic and a mini-dress.