Thanks for the suggestions Joy!! The only pencil skirt I have is brown suede, so I'm not sure it will work. As for white jeans I like that idea, but also don't have them. I have light grey jeans that I haven't tried it with because I'd worried it was too much grey. Kristen maybe a pop of colour like you suggested will take care of that, I'll give it a go anyway!!!
Alecia my stirrups are very opaque tights material, not leggings material so I think this top would feel too short for them. I'll give it a go though to see - that is a good thought!! I see what you mean about the broad chested thing, I do have a very broad and deep ribcage. I'll try your idea of the v-necklace too. I don't know if this dress is worth altering to make a v-neck, but that would be another option too I guess!!!
And thanks for the killer boots rating Angie. I love the fact that I bought them in SF so they bring back nice holiday memories!!