Lisa, you mentioned on Anchie's thread that it has taken maybe 3 years for you to come to terms with this lifestyle change. I just want to say -- that makes so much sense to me. You had a lot of shifts -- a move, a change of jobs -- and then COVID, which messed with us all, really, and most of us are still feeling the reverberations from that time. Plus, a significant birthday during that period. It is a lot.
And it does take time to come to process changes like these. I'm still dealing with my own moves and various job shifts. (Not to mention age). That is why I needed a re-set myself this year. It turned out, I wasn't as far from my aspirations as I thought, but I definitely needed an update.
So...I think the shopping will be easier if you identify a few favourite formula outfits for your identified activities. For these activities you will need -- fill in the blank. Maybe jeans, current footwear, 3 fantastic tops, one great summer topper. Or maybe linen pants or dress or whatever. (That's just guessing. What I'm really trying to say is that you don't actually need many items -- and you probably already have some of them. Once you figure out what you have, what are the holes?)
It will also be easier if you can identify a few retailers that consistently work for you. I know that is hard. Fit models change, our bodies change, styles change, it can take our eyes time to adjust and shift proportions, etc. Nevertheless...
You don't like the order and return cycle, and I understand that. Having said that, you might have to accept it -- or accept the alternative. It's pretty much a part of life -- like my need to hem trousers or turn up sleeves -- it's part of the cost of clothing, and saves me time in the long run. When I live in a big city, I shop in person. In a smaller city, not so much -- though I do in person returns here to The Bay, which keeps it free.
You've identified a few retailers whose clothes meet the aesthetic you desire. Some are out of your price range. Some are not. So order from the ones that are in your price range and see how the fits work for you. Yes, you might have to pay a bit to return some of the stuff -- but you will also learn so much and have fall back retailers for future reference. I'd try Everlane and Massimo Dutti and maybe one or two others from your list.