Utility vest for fall

OUTFIT DETAILS:
Activity: School pickup

Vest: Old Navy (similar)
Top: Uniqlo (exact)
Jeans: LOFT (similar)
Shoes: Banana Republic, thrifted (similar fringed style - save, similar fringed style - mid price , similar color)
Bag: vintage Coach via ebay (similar)
Necklace: Forever 21 (similar)
Earrings: gold ball studs via Groupon Goods (similar)

It's so strange to finally live in a place where it's not stereotypical "Fall Weather" during the season.  My dressing for autumn used to consist of trying to delay starting to have to dress for winter (by mostly feeling chilly in my cute fall outfits in the cool early winter temperatures in Wisconsin).  Now I live in a place where September and October are often the warmest months of the year, while summer is quite chilly.  So by the time fall arrives, I tend to be more excited to break out the sandals and shorts I haven't gotten to wear all summer.  C'est la vie, right?  I'm okay with dressing for the temperatures, rather than the season, especially since I like the overall range of temperatures here in San Francisco, but I do understand the appeal of fall fashion.

This was my attempt to blend both autumn style with somewhat warm temperatures.  I do find a utility vest very versatile for times I want to create a layer without too much warmth.  This was also the premiere for my newly thrifted d'Orsay fringe oxford flats in cobalt blue.  I wasn't sure how well I would be able to use the color with my wardrobe, but so far I've been wearing them a lot.  And a bit of variety from a ballet flat or athletic shoe in a comfortable flat is always a bonus!

What do you think?  Dress for the temperature, or the calendar?  Discuss.