Apparently I can do ruffles, of a sort. This top is 25% off at JCrew right now, and I just bought it in the creamy white. Runs big. Fits great. Small, off-center, architectural ruffling at the bottom. Scuba-like material, machine wash.
I will wear this next week in Nashville and will post pics.
PS I am in Orange County, CA, land of the sun and amazing shopping. I am SO lucky that I don't live here. I would get nothing done and would spend a fortune.