So the ceremony is at 3:30 pm and the reception at 6 pm. Both activities will be indoors. Is this dress appropriate for a formal dress code?

If yes, what accessories to make it more summer time appropriate instead of a fall look?

Pic below is how I've worn it in the past, but those metallic sandals are looking more worn now.

Also, does a formal dress code mean that I need to wear hosiery?

Would appreciate any and all suggestions. Thanks!

ETA: found earrings to add a bit of color and I think will go with silver or soft gold sandals.

Should I try to find a colorful clutch or will that lessen the formality?

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