Happy you are getting well, Suz! For nr 1. I don't see any problems regarding the sweater's/shirt's lengths. I even feel proportions are the very best here. It doesn't need to have the sweater end at your natural waist at all, it feels more grown up and ladylike like here, a bit longer, at least to my eyes. But I see the lower part of your outfit it's a bit faded compared to the top part. It may be the thing it bothers you without knowing what it is. I say try the same top part with dark pants (or skirt:-)). It may solve all your worries.
Nr 2 is looking quite good in regards matching colors, and proportions, but you have to feel good in it. I know what you say about sweater not roomy enough and squishing the shirt underneath it for a weird feel. I cannot tolerate that, either:-(.
Now, off to read the comments:-).