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too casual and you're not riding horses or motorcycles.

remove scarf upon arrival.

the large scarf is visually distracting.

without the bulky scarf and as long as the black stays over the white top.

too much visual noise; black and white, too much contrast; the scarf is in the way.

remove scarf

not like this. if she took off the scarf and closed the jacket so she had a solid dark background, then it would be alright for most situations that were more "casual".