A white dress shirt and grey cargo pants paired together are a sartorial dream for those dressers who love elegant styles. Amp up the appeal of this getup by rocking dark brown suede tassel loafers. As you can see, it's very easy to look stylish and stay snug when cooler weather comes, thanks to this ensemble. It often pays to step out of your style comfort zone as a 20-year-old and move into a classier one.