I have got a nice smart shift dress that I never wear, it's quite heavy textured black/grey fabric so too warm for summer with bare arms, and not really warm enough for winter with a cardi over (my office is freezing in winter). I have thought about wearing it with a black polo neck jumper underneath, thick tights and ankle boots.
I think it looks OK, and I think the dress works with a polo neck, but not sure about the overall look. Whats the general opinion on this?