Put the vest down. Have you ever thought of tshirts? You may need to wean yourself off vests slowly, as your habit seems well and truly entrenched. Bin one at a time as they get tatty. In order to spur you on, envisage a day when you no longer wear vests at all, rather your life is spent in dresses blouses and tops HTH
hehem... I have a AAA to AA cup size so don't talk to me about smalls boobs. No excuse OP. I actually have that pocket cardi in navy. Comfy, casual but inching away from vests only. You want SIMPLE bangles or something to inch you into accessories.
I love vests ( am not thin but upper arms ok). Bracelets/ bangles good- I have a silver cuff I often wear. When cooler I often wear a long sleeve top with a knitted vest/ tank over. Id embrace te vest and call it your signature style!
I was very much like you describe a couple of years ago and feel like I'm slipping into it again now I'm on the search for nice maternity clothes, it's a comfort thing. I got myself out of it like the pp suggested by replacing vests with other items as they worn out. Asos is great for inspiration as you can shop a whole look and they usually team up simple outfits with accessories. I've been living in leggings and long tops or skinny jeans, long tops and my uggs recently and wanted something I would feel really nice in for a party at the weekend. I felt uncomfortable when I first looked at it but I'll now be wearing nude platform shoes, dark thick tights and a bright coloured dress just like the model online. Take a risk, it'll pay off because people will notice, pay you compliments and it'll make you feel great