Oh god. I think those look quite 'smart yet practical'.
Shoes are a problem: I can't wear heels, and have pronating feet which need prosthesis in, so mary janes are about the only option. I also have fat calves, making boots difficult to buy. I've managed it, but they're not the easy option.
Also, what shoes to wear with jeans, when it's cold? Trainers are too cold, boots look weird, as they're just a solid mass.
Another thought: if you're worrying about looking mumsy, are you by default non-mumsy?
Saw a woman at playgroup just now. Baggy white pyjama-type trousers, red fleece, hiking boots, bad hair. Is that mumsy, I pondered? No, just shit. There's a difference!