I'll throw in a personal preference and say I've tried a cropped sweater over a long shirt and I always feel a bit wrong with all those miles of shirt tails flapping about. Can't say why when the look seems to work on paper. I think it's to do with what Anne says about blocky proportions.
And I think we always wince a bit when we look at pictures of ourselves and our attention is drawn to one or other body part we feel self conscious about. You know the rest of the world almost never notices.
Anyway, you look lovely. I think you could look well dressed in a bin-bag. (But maybe not in a butt-vest...)