My reception is iffy today so I am going to respond a little at a time.
First thank you all for your encouragement and thoughts. As Angie observed,V necks are not my best and I usually avoid them. This sweater was an impulse buy some time ago. I loved the oatmeal color, texture and side zippers as well as the cotton/ linen yarn. It transcends seasons depending on what I wear under it. Therefore, I overlooked the neck shape.
BC, thank you. Putting on and removing layers can be so useful in staying comfortable through the day. I dog walked with all the layers shown but now, inside about 2pm, I'm comfortable without the scarf and vest layers. Later I will need them again.
Firecracker, I value your thoughts. I like it best with the scarf too, which is also of a cotton/linen blend. I almost went with pewter metallic booties and bag but liked the snake booties better. The jeans are a coated grey denim and lighter than they appear in the photo but fairly dark grey.
Robin, I love wearing these boots. They do make a statement.
Suz, yes, this neckline will look strange on me without an under layer. I'm so glad that you think my cheat works.