My default is a simple T-shirt with jeans, and this certainly would be a default. But I still like the jeans and shirt. The jeans are probably as light as I would go. I would not wear the vest as part of the outfit and it would not wear the scarf.
This is so perf for coffee with the girls on a rainy day! I would carry a different umbrella, because I feel the Burberry on Burberry is too much! Red Quilted Puffer Vest, white button down, black jeans, and riding boots