I love the wool texture and leather waistband of this skirt - they definitely make it appropriate for fall but it's not too warm if I wear it on its own without tights. (mollyandstacie.com)
I matched the vest and tank to the thick waistband of the skirt to be a bit matchy matchy but in a fun way. (theneonfactor.com)
Make sure you cover the top of the waistband of the skirt with the wrapped fabric for a more streamlined look — you can stitch these together if you want but I didn't bother. (apairandasparediy.com)