Hmm. For me it’s well fitting higher rise pants that conceal the tummy and waist rolls. I like Ovation Slim Secrets and Hadleys, but they aren’t pull on. My other problem area is that flabby flesh in my back below my shoulder blades, for that the right bra and a fabric that is thick enough to not cling are important.
For tops themselves I find it’s a matter of getting the right cut to suit one’s shape. So for my body (curvy) the most flattering tops will be fitted enough to nip in below the chest and not hang straight down which makes my torso look like a log. Not a good look!
I like ladies golf and tennis tops. I seem to have better luck getting a good fit in a nice fabric w out breaking the bank.
I’m not wearing a vest to ride in FL summers no matter how flattering that might be. So I’m with you there.