Oh for goodness' sake. Why should OP cover up? Have people forgotten during the pandemic that occasion wear is different from workwear?
A long strapless dress or with cleavage is fine for a formal occasion. Kneelength or similar for cocktails.
Boring necklines that strangle you if you move are for never.
Wear what you'll feel beautiful in, OP, and I'm so glad you aren't dressing like a besmocked escapee from a Victorian institution.