This is the dress I found and this brand fits me perfectly. The dress is comfortable and heavy enough to wear in colder climates. It's not a summer dress (will be too hot) but this can be worn to cocktail parties too. You can't go wrong with a black or navy dress. I tried a navy dress but sent it back. This one is here. I managed to find this one 70 percent off.
My real splurge for this outfit was shoes. I have a difficult time with shoes with bad bone spur and I cannot wear so many styles for this reason. And I don't like high heels but want a little heel. After serious debate I splurged and bought these (with a gift card so it wasn't such a shock). But I will wear these this winter with black pants and a turtleneck. These made the outfit. See them here.
Sometimes you have to splurge. The shoes were worth it. I felt lovely and wore simple pearl drop earrings with a hint of gold that I already had and my double strand pearl bracelet (a 30th birthday gift from my parents). It was fun to dress up for a change - I remember when all the weddings 6 or 8 pm formal and we all dressed up. Formal no longer works today, sadly enough, but I am planning a cocktail party later in the fall.