Hmm, I might try it with a peasant blouse like L'Abeille suggested, and I would make sure that the bottom of the blouse has a very pronounced welt to rein in the volume. I have also worn skirts like this with a drapey button-down that I tie at the bottom (like the one I have attached to this post).
I'm not sure how you feel about crop tops, but maybe a fitted crop top would work? I've attached one to this post. I am short waisted, so oftentimes crop tops are not terribly short and only end up showing about an inch of skin. I feel like as long as my belly button isn't exposed, it is age appropriate. I find I have to wear them with high-waisted bottoms.
I don't know what I would do about a topper. I'm terrible at figuring out toppers...