Thanks for the continued input here and apologies for taking so long to get back to this thread!
Chris987 and Lynn, I wanted to say a very sincere THANK YOU for popping in to say that the discussion had been useful to you. I am so pleased to hear that my self-indulgent whining has served the greater good, at least a little bit!
Anchie, great question about what are my essential tops to wear under cardigans. I confess that I struggle a bit with the concept of "essentials" as used here on the forum. But I can tell you about the tops that I would like to wear under my cardigans. They are:
-printed (not solid) long-sleeve knit tees. I have a couple of Breton striped tees and enjoy wearing them, but I think other types of prints like florals or paisleys would work as well. Preferably scoop neck but a fairly open boatneck works too.
-woven tops, either printed or solid colored. If solid colored, they need to have some source of interest/detail, like a button placket, textured fabric, pintucks, etc. They need to have some openness at the neckline. Generally prefer popovers but have some button-throughs as well. Can be low hip-length or tunic length.
smittie, YES, you are so right about color contrast; I have blonde hair, blue eyes, lots of different tones in my hair, and although my skin has cool undertones I think it has peach overtones. So yes, I feel most at home in a lot of colors. I am familiar with InsideOut style and it is very helpful although I have to admit that it also brings out my inner rebel -- sometimes I'll wear an all-neutral outfit or a high-value-contrast outfit because I WANT TO, DANGIT! However I notice that the color vs. value contrast rules REALLY explain well why some prints work on me and others do not.