A more likely Great Filter would be a lack of distinct climates, seasons, etc. altogether. The problem that would raise isn't that the species would be too stupid to come up with the idea of tools-to-put-on-your-body (and yet smart enough to otherwise be capable of reasoning and tool use?), but that a lack of variation over time and space would discourage the evolution of generalist or adaptive intelligence in the first place. Instead, all life-bearing planets would be dominated by highly niche-specific super-effective super-simple organisms with no real competition. This seems like a plausible explanation of the Great Silence to me, because very few planets have seasons. If inhabited planets also tend to be 'boring' (e.g., to have a fairly uniform temperature or terrain, or to be sheltered from major asteroid impacts), that could explain why generalist species, including adaptive reasoners, haven't evolved.