Multifunctional and long-term stable wearable heating systems have attracted extensive attention from experts, yet smart textiles that only rely on harvesting the body’s heat without additional energy still face huge challenges in practical applications. Herein, we rationally prepared the monolayer MXene Ti3C2T x nanosheets via an in situ hydrofluoric acid generation method, which was further employed to construct a wearable heating system of MXene @ polyester polyurethane blend fabrics (MP textile) for the passive personal thermal management through a simple spraying process. Owing to the unique two-dimensional (2D) structure, the MP textile presents the desired mid-infrared emissivity, which could efficiently suppress the thermal radiation loss from the human body. Notably, the MP textile with an MXene concentration of 28 mg/mL exhibits a low mid-infrared emissivity of 19.53% at 7–14 μm. Significantly, these prepared MP textiles demonstrate an enhanced temperature of more than 6.83 °C compared with those of favorably traditional fabrics, involving the black polyester fabric, pristine polyester polyurethane blend fabric (PU/PET), and cotton, suggesting a charming indoor passive radiative heating performance. The temperature of real human skin covered by MP textile is 2.68 °C higher than that covered by cotton fabric. Impressively, these prepared MP textiles simultaneously possess attractive breathability, moisture permeability, mechanical strength, and washability, which provide new insight into human body temperature regulation and physical health.