I think it's mostly due to the shirt collar thing tbh. They really do suck.
Are you considering CM casual as SWD?
I admire you for not using credit cards. It really should be called DEBT so as to remind people what it really is.
I remember racking up $15k in credit debt while in college because they were handing them out like cupcakes back in the early 2000s. After painfully paying everything back, I was debt free...until I bought a freaking house in 2013. Now I am just wondering whether I should've purchased a house. 2,000 sq ft for then just 1 person. Ugh...
Haha it's all good. I think CM stuff is one of the things that you need to put in serious $$$ into to actually get better. I think the improvement you've seen has been in pairing etc, which is something that will come into making better choices when I do have some more disposable income that I want to spend on stuff like this.
There are a few SWD 'staples' I need to grab in the near future that should round things out. Thinking black jeans, workboots, etc.
I don't think you're paranoid enough. If you were really worried then you shouldn't have gotten a credit card in the first place. But I get what you're saying. I hate giving my checking account # or my debit card number to any vendor so I usually try to use the bank's billpay or paypal