Excellent suggestions. Let's add a wrinkle, shall we? In addition to beltless, let's throw in a sportcoat, too, for a dressier look.

That rules out a waist pack and may well rule out a vest -- a loaded and buldging one, anyway. Tuck the necklace inside your shirt and you're good to go. The shoulder bag can stay.

Cargo pants are out. Don't own any. My Better Half doesn't like them. Besides, they just don't contribute toward a dressy look.

-- Craig