Thank you, everyone, for your wisdom and thoughtful responses. This was really helpful, to get a glimpse of what others see.
Rachylou, I like Polished Playful, and it sounds like others do as well.
Kkards, I do see the problem with mermaid. I don't do bodycon. I think of the words for the colors it evokes and that's all, I think. I won't use it in a moniker, I don't think.
Mainelady, I do love a good pattern. I will think about that. I think I wear only solid color outfits rarely, and I hadn't realized that.
TG, whimsical classic. Hmm. I'll have to think about that one.
Toban, it does seem like Polished Playful came to mind for many.
Smittie, yes, I'll keep mermaid as one of the five words, but not use it in a moniker. Your comment about needing a moniker wider in scope, reminded me that I didn't represent retro here in my outfits at all, but it is something I enjoy and would like to do more of. Something to ponder.
Thank you, Angie, I'm considering your suggestions carefully. Suz also pointed out that classic is an important element.
I think I'm down to Playful Polish and Romantic Classic. I can combine those and get something like, romantic and playful polish. Style words to ponder: classic, mermaid, whimsy or maybe retro, and color-rich.