becky, how funny that i was going to make the same comment on the top with the skirt. i agree that the midsection is lost with a flowy top and flowy skirt - i call it the xmas tree effect.
for more coverage with the top, you could try a cami underneath. the necklace goes well with the neckline of the top. i could see the top looking really cute with the clams or white jeans.
i think the top in the second photo would look great with the colors tanya mentioned. i could also see red or orange. with an interesting neckline like that though, i wouldn't want to cover it up with a cardi. but, when cooler weather prevails, i know it's necessary :) for warmer days where you don't plan to wear a cardi, i could see a high-waisted belt looking great with this. probably in any of the above listed colors, or white.
very cute, julia :)