Thanks, ladies! You've been so helpful. I can totally see this with a turtleneck and/or leggings. I've tried it on with a camisole. That worked out nicely. I was surprised to find it looked cute with both my denim jacket and an A-line velvet jacket I bought from Boden last spring.
I bought two necklaces--which I like anyway, but they just weren't quite the right size, shape, something...
I also shopped around for some pearls. Nothing I've seen has struck me as just the right thing, but I'll keep looking. I didn't check out Ann Taylor...so that will be next. Thanks, Joy, for the links to the pearls articles!
Belts are more challenging with this dress, because they'd have to be just the right size to look right with the waistband.
It's a fun challenge to see how many looks I can come up with this one dress.