For a safe smart casual option, you can't go wrong with this pairing of a black coat and a white dress shirt. When in doubt about the footwear, stick to a pair of black leather pumps.
Black Coat with White Dress Shirt Smart Casual Warm Weather Outfits For Women
For an ensemble that's pared-down but can be smartened up or dressed down in many different ways, go for a black coat and a white dress shirt. You can get a bit experimental with footwear and complete your look with black suede ballerina shoes.