Wore it on Easter Sunday for a family luncheon with a tank and tights underneath, some cute glittery gold flats, and got many compliments on it.  I would think it would be nice to wear on vacation at a resort for a nice dinner by just putting on a little bit of sparkle jewelry and some strappy heels.  It is a really good length for heels, as I am 5' 8" and the dress was dragging the ground with flats on.  Also, the bit of sparkly jewels on the fabric make it totally acceptable as a more formal outfit.  If you just want it for a swimsuit cover up, you're gonna still look great because it's pretty.  Put that floppy hat on and some flip-flops and you'll be the fanciest one at the pool.  It IS see-thru though, just like the pic shows above, so definitely wear SOMETHING underneath it no matter which way you use it.  haha