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As for formality, a penny loafer is not "dress" in the traditional sense, but it certainly qualifies now

LA24242 Backless Lace Wedding dress with Long Sleeves By L'amour Dress details - Colors Ivory/Light Nude with Skin Illusion (pictured) Ivory/Ivory with Skin Illusion Fabric Lace Silhouette Sheath Neckline Semi Sweetheart, Sweetheart, Off the Shoulder, Strapless Sleeves Off the Shoulder, Long Sleeves, Strapless/Sleeveless, Detachable Sleeves Accessories (May Be Sold Separately) Detachable Sleeves Style Backless, Boho, Vintage, Floral, Sexy, Beach/Destination Size 0-30 Features Backless Description - Introducing Lacie, where timeless elegance meets modern sensuality

Jewelry should enhance your looknot dominate it

If youre unsure about which color belt to choose, opt for a simple and classic black or brown belt that can go well with most shades of grey shoes