Tarzy, I usually go for v-necks too, but I'm realizing that I can also achieve the V-neck shape by zipping the jacket part of the way up (which it does without straining - yay!) but I don't necessarily have to be tied to that neckline. I've tried to embrace scoop and cowl-neck tops as long as the top itself is flattering, though I think it helps if the neckline is still a bit low.
Hanna, honestly, accessorizing has baffled me for a LONG time. I've been reading YLF and following a few other style bloggers for the past couple years, and when I see a look I like, I've been trying to steal it to see if it works on me. :) I still haven't mastered the "belted" look, but I'm glad that my "study" is paying off - and thank you for the compliment!