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LOL. Speaking as one of the more '*******' colonials, to be found in this "frontier country" to which you refer,I am inclined to agree with much of what you say. However, I would argue one possible point...if one had a sense of style sufficient to cobble together "a well put together semi-casual outfit," would they not also possess the sartorial finesse to also select a stylish, well fitted suit to wear?It depends where you live and what you do. America is still largely a frontier country in mindset and people value practically over peacocking. It's slightly different in Europe and other places where people rightly or wrongly have more tradition of dressing up all the time. I notice that in large, international cities there are plenty of well dressed people. Well dressed does not always mean a tie. I like that there has been an explosion in sport coats and blazers of varying descriptions and soft tailoring, it's a style I like and I ascribe to personally.
Better a well put together semi-casual outfit than a bad suit and tie in my view.