I am at my best when wearing sandals ( no socks LOL, have to mention this because I live near Seattle), Capri's, bra+cami+3/4 sleeve tunic, and a medium necklace (not too chunky, but not a thin one either).
In the summer I ditch the tunic and go either bikini top or cami.
I only pass from the neck down, and that's ok by me.