If you want to still wear loafers/ Oxfords/ boots, have you considered attaching shoe clips ? Just to add a little bling without sacrificing comfort (attaching an example). You could also add a brooch to your jacket.
As for separates, are you able to do column of colour - e.g. grey top & trousers, black top & skirt? Or with the burgundy jacket in your original photos, do you have burgundy bottoms? That might look more formal.
Also if it's an indoor wedding, could you get away with rolling your cuffs/ showcasing a little ankle with your Oxfords/ loafers? I feel that usually helps to add a chic 'styled' element to such menswear 'with a twist'.
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