Hi, fellow South Floridian C. It is a challenge here! I love capris or crops...body skimming and just covering the knee. Too short, I am all knee and veins, too long, fat butt and peg legs. A medium cocoa brown is my current fave (JCPenney). They don't have to be DAAARK, just darker than the top. I have white, too, and they look fine. (The white ones with the bold floral, um, they were not such a good idea.) My tops are usually light or bright. I love color. I almost never wear black, and it is not needed here! I rarely wear layers, jeans are usually too hot for me. I can rock a sundress in the right shape. Good shoes and purse are definitely a Palm Beach thing.