This is why I LOVE YLF!!! Your thoughts and honesty are so appreciated, believe me.
I tried a little test this morning when getting dressed - I already had the black EF dress on as the start to my outfit today and popped on the cardigan and asked myself "do I want to rip the tags off and wear this today"? And the answer was a resounding NO. My gut reaction this morning was quite clear in that this cardigan does not meet two objectives: it is not JFE (just flattering enough) for me; it does not evoke "urban" the way I want it to.
So it is going back with a smile
Thank you, thank you, thank you...