Gotta say no to a vest. Vests are not meant to be worn on their own and they have a very unfinished look when worn alone. To me, wearing a vest to try a "church up" an outfit without wearing a jaket looks very "high school prom" or waiter-ish. As for the formal/non formal issue, a vest doesn't make you formal in the least IMO. Formal is white tie.
Very hot weather dress - Page 3
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