I’m also fond of both looks. The tank is a slam dunk especially since it’s low contrast with the top half of the skirt, but I like the styling of the blouse a lot!

Re: versatile alterations, have you heard of instant buttons? This video gives some good tips on how to use them (forward to 2:22) bit I could totally see you adding some to the body of the skirt to hitch it up in the summer/ let it down in the winter:
https://youtu.be/gopSPrKfooc

I'm also a Deep Autumn + likely a Romantic/ Soft Classic Kibbe type = dressing 'minimalist' makes me look like I just rolled out of bed (especially if it's minimalist 'athleisure'), lol... I wear also jewellery regularly but I'm not very good at applying makeup, so I do some basic concealing sticks & lipstick whenever I have to be presentable to the world lol.