Too Traditional?

[David Thorpe]

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You have encapsulated it very well Jock! I would add that for less formal occasions a round (crew) neck or v-neck sweater (my personal preference or flair is a crew neck sweater) and a collared shirt with or without a tie is both commonsensical and traditional too.

I like Henleys worn the same way, or without the shirt under for more casual (and warmer) occasions.