Helena, truly, I totally endorse the devil-may-care attitude! The funny thing is this wish for coverage is all me as I am basically at home all the time. I guess I don't want to have to look at my torso in that much detail while sitting in my writing chair haha!
SF, thanks, I'll check those tanks out!
Suz, good advice! As it happens when I took off the white tops the other day I swapped in a lightweight patterned blouse in a similar cut from a similar mall-level store (Gap) that has been in my wardrobe for a similar amount of time as the one you describe! Also per your and others' encouragement I've been wearing my gingham button-up as a top layer quite a bit over the last week, so I'm waving to my gingham sister.