So I've never worn this pencil skirt out of the house and I'm not sure why. I guess it just feels "dressy" when everyone else is in old t-shirts and rugged cowboy boots. I KNOW, I know, it's not exactly city dressy, but it is what it is out here on the ranch. Anyway, I was experimenting with how I might wear this in a very casual way.

1.) BR Chambray shirt, Jcrew Factory Pencil Skirt, Clarks Shoes, Python Bag
2.) Same as above except with a new small neck scarf from Peruvian Connnection
3.) Same as #1 but with a belt

What do you think? Is there a clear winner or should I try a different top? Belting makes the top bunch a little and I'm not sure how to adjust it quite right as I never really wear a belt like this but wanted to try something new.