This is a great classic looking outfit, BB. Simple, clean lines. You could almost look at it as a canvas for creating different looks or for taking it into a different season. Do you have some brown boots to substitute in cooler weather? Adding a blazer in almost any color would also carry this outfit into fall nicely.
Yes, you could try a chunky necklace if you have one. You could change the belt for a different look. Also, what about a handbag? I could see a lot of styles working with this outfit, and they would each give a different character to the look: leather saddlebag worn over the shoulder, a classic satchel, a clutch.
