Thanks, ladies! This is exactly the feedback I was hoping for!
My challenge has been dressing with more visual interest, but finding the right balance for my size, shape and style. I have been purchasing more tops/blouses with texture/detail instead of my typical simple, solid knit t-shirts and plain cardigans. I am also replacing simple and delicate accessories with more interesting and substantial items, but this outfit was a perfect example of where simple jewelry would have worked better. I'm still trying to develop an eye to know when I have on too much (overdone) vs. too little (plain) so really appreciate that YLF members are here to help!
What I gleaned from your feedback that I believe will work for me is
1) the ruffles and the statement necklace together was too much for me and I didn't even think about earrings. I agree that statement earrings or a simpler necklace would have been best with the ruffles. I just couldn't wait to wear my new necklace!
2) @jssloane-needed the reinforcement to mix metals, thank you!
3) @aida-I did feel that either color or metallic shine would liven up the blue/white outfit. The snakeskin belt is a great suggestion for both metallic and nude shoes, so this is going on the shopping list! What my left/matchy-matchy brain cannot reconcile is wearing a colored belt with the metallic shoes. I'll have to try it with my red belt and a colored scarf per @jssloane and resubmit for feedback.
@suz-These shoes are similar to the Clarks Artisan Splendor Plume sandal. The color is called grey metallic, but they are closer to bronze and the color works really well as a neutral against my pale skin. I have fussy feet and these are WONDERFUL. I wear a 6C shoe and I fit in the Clarks 6.5 M US/5 D UK.