Thanks for you feedback everyone. I got some compliments at work today, on the skirt and the shoes, and even the jacket with my sunnies!
Kathie - yes the lace top is a bit too big. It was handed down and is at least a size bigger than I'd normally wear. It annoys me that it folds around the neckline. I could probably take it in a bit.
Joy - no I didn't ride to work in the skirt, nor would I ! I change completely and shower when I ride and I didn't today anyway. It's getting too dark here and 2+ hours a day cycling is rather tiring. I may manage a few more times before winter if I can find my bike light.
I'll see if I can incorporate suggestions to wear with a belt, and untuck top 4 (which I'd be more comfortable with myself too - I only tucked it because I thought the vertical proportions were better) into future outfits.
I'm kind of surprised lots of you saw the skirt as dressy - I was kind of imagining it with a denim jacket (no that I own one) and sneakers, that kids of casual outfit.
Casual fri at work isn't all that casual. The most typical outfit is heel (sandals or booties) jeans, woven top and a moto jacket. I saw 2 people with that exact combination just in my lift up this morning!