I like your idea to wear V neck, I usually wear shirt under but your first picture with necklace is great. The necklace is so beautiful so wear this with pleasure.

Miranda, thank you. I am thrilled that Angie has shown that pearls can be worn smart casually so we can enjoy them more. AJ, I love your enthusiasm.
gradfashionista, you are wise. I will try to find high wide V-necks. For tanks and other under layers with low necklines I have sized down so that they fit tightly and don't gape. I know in the past that there have been tops that work but did not think to analyze why.

I really like this outfit, too.