As above really!
I have a very smart black dress, which I would probably wear with a black jacket but am worried it looks a bit funereal?
The alternative is black skirt, black jacket and either a red or ivory blouse. The jacket doesn't match either the skirt or the dress perfectly, but you'd have to be pretty close to notice.
I think the dress is slightly smarter, but dh pointed out that it does look a bit morbid and I think he may be right....