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I agree. Never with a tie and rearely with a jacket. I work in a very conservative office and will wear chinos with loafers sans socks on casual days as does the firm president.Any time w/ shorts, jeans, or chinos (weather permitting).
Rarely w/ a jacket and never w/ a tie.
Unless you're a dandy.
For many years I've heard the habit of wearing shoes without socks as somehow particularly "Italian" (and Clouseau adds "French" to that). As someone who grew up in Italy and always went to the Riviera in summer, I have strong doubts. Besides strictly *beach* shoes like espadrilles and sandals, I do not recall anyone wearing sockless loafers (let alone other 'town' shoes) before the late 1980s. In my observation, it's something that was imported from the US as a preppy fashion with 'boat shoes', casual loafers and then transferred to driving shoes. I do agree that once the fashion began, younger Italians adopted it enthusiastically.