Richard can buy some clothes! In case you were stuck in a cave last night (or stranded on a desert island), Richard Hatch, 39, dubbed the naked fat guy, took home the $1 million prize on CBS's "Survivor" in the two-hour finale of the top-rated summer series. Runner-up Kelly Wiglesworth, 23, walked away with $100,000. While a lot took place in the last episode that will make for good discussion around the water cooler this morning, it will probably be Susan Hawk's embittered speech before the final two contestants that will linger longest in memories. She told Rich: "You're arrogant and unable to admit your failures, which makes you a bit of a loser in life." But the trucker from Palmyra, Wis., saved her more lethal venom for Kelly: "You're two-faced and manipulative, which is why you'll fail in life . . . You won't get my vote. It goes to Richard, and I hope that's the vote that blows the million for you." She added, "If I ever pass you on the street and you were lying there dying of thirst, I wouldn't give you a drink of water. I'd let the vultures take you and do what they will to you with no regrets." During the post-show town hall meeting with the entire cast with host Bryant Gumbel, Kelly and Sue blithely shook hands.