Hear me out: satin lace-hem shorts (possibly over opaque tights, but definitely with boots for weather purposes) with a black cashmere turtleneck. The knit blouses slightly (don’t force a tuck), the shorts’ soft waistband sits easy, and the lace edge is the distraction.  Cozy bonus: you probably have a black turtleneck in your closet and it works for all fall outfits—from Thanksgiving with suede pull-ons to study days with heather-grey sweats.