I am someone who gets cold in anything below 73 degrees (the second anything comes out of the sky, I start getting depressed), so I have grown to love cardigans. I love the whale button detail on this one. Will be great with just a plain white cami and some dark jeans and a pair of flats. Looking at the picture, I now realize that it wasn't the greatest one I've ever taken. If you can't see, that's two whale cutouts on the metal buttons.
A great sweater
This will be perfect for rainy England.
A shirt that's somewhat of a cross between a polo and a traditional Oxford (also available in navy).