Here is my first attempt at this formula, worn past weekend. It is a variation of the 4th suggestion, with a long button-through knit cream dress (so-called cardigan dress) instead of a shirt dress. It was worn half-open over pale blue wide cargo pants, with cream oxfords and blue cross body. It was quite warm so I did not need a topper. I only tried the cream moto over to see if it works, as I find coats/toppers for this formula tricky. What do you think, does it work, or would you suggest trying something else and what?

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