I am in a hurry to dash to DD's school to buy cakes they are selling, so could not read all posts and not sure if my idea appeared at all or not.... but where I came from, there is an unwritten rule of having matching bag and shoes, all leather of course. In the UK this does not apply i noticed. Hand bags are great accessories and must be colour coordinated with the rest of your outfit but especially with your footwear.
Also whe I arrived in the London in my twenties (it was almost 2 decades ago), I had noticed how naturel British women were ie no manicure, no make up, hair natural. On the underground, I used to see women, apparently professional, commuting to/from work and appeared quite naturel with no polish in any shape or form. Where I came from, even if you wanted to keep a low profile appearance-wise, you would still put light pink nail warnish, colour coordinated accessories as mentioned above and mainly not afraid of using lively clolurs.
Clothes also were rather plain and formal looking here whereas in my home country, lots more different colours in the same dress, more acessories ie belts, buckles, different colured scarves (not in the manner of old aged women's scarf but more in the sense of scarf around your hourglass waist asw an unusual accessory way...
Now I am one of those plain looking women, when I go to my home-country, I look un-made, unpolished and it is so comfortable existence as far as I am concerned.. especially with a young demanding DD in my fourties with a demanding job too. So I don't mind the new me.