I like this dress a lot. I bought it knowing it was a sweater....this means that yes you should probably wear something under it. I love the cowl neck. I will say that the dress I got had the same color scheme but it was more dark brown than the picture. I have worn it a number of times including to work with legging and a 3/4 shirt under. For the price I am very happy with the item. It runs a little small but it does have some stretch to it. Soft and light weight.