Fabric can make a big difference. Look for linen. I have a black and a pale pink cardigan of the Halogen brand from Nordstrom’s that are great summer toppers. I also have a navy blue and a peach linen cardigan from EF that I have used for years with sleeveless tanks that work well. I like ponchos too but have to watch the size. One size does not fit all. And I make sure that they are not polyester which is hot on me. Again, linen or silk is better and cooler
I second Robin Fs pictured Nordstrom cardigan in a linen blend. It.looks like mine. I wash it on gentle, hang to dry. They have offered them two years in a row and I hope they will be back in a variety of colors.