This slots into your palette and desire to try new shapes perfectly. I think the color blocking, with a change right at your bustline, and the lighter color on top, subtlety makes your chest look a little bigger. A husband might like that effect.
Sweater sets are tricky, but not impossible. Have you tried fitted sweaters with this cardi?

Love it! I think the fit is perfect.

I ordinarily wear cardigans over tees but not so much over other sweaters. If I do wear them over another sweater, the sweater has to be quite thin and very form-fitting.

Such a cool color block I agree with the fit it’s perfect

The fit looks perfect to me. I like the necklace with the cardigan. I usually wear a thin tee with my cardigans.