I don't know if cardigans were necessarily the safe choice, it's probably just one of the few choices many of us had. I would have worn a trendy leather jacket that I have been wanting, if I ever bothered to buy it.
Well, it shouldn't be surprising if this thread gets bent a lot. Most of the old contributors don't post much anymore, and new comers still crave advice. I'm not saying it's right, it just is what it is.