If I think of my formal dresses these are the styles I have:
- Grecian dress - floaty and pulled in with a fabric belt
- Fitted sheath dress - x2
- two piece (fitted shell with a line shirt, silk with sequins scattered)
- 1930s tea dress style (on the bias)
- fit and flare with full circle skirt
I would add that none of these would work for a funeral. They are too pretty or too shiny or too low cut.
For funerals recently I have worn a work dress (one is charcoal grey, the other is black and white patterned), both with sleeves, or work trousers with a blazer and knit. I mostly wear smart conservative work clothes to a funeral.
If you want one dress to cover both occasions a dark shift or sheath may do, but I would try and get by with simple black trousers and a jacket for funerals and get a more special wedding/party dress. Of course I am in NZ and cultural expectations are different so I may be off the mark.