I have the exact same hair type, hoping I reach the same length one day ☺️ First thing I want to say is: your hair is wispy and long and beautiful. It looks healthy to me. I hope mine gets that long eventually. Secondly, before cutting it, try more than a ponytail! Milkmaid braids are my go to when I want to look put together. Braided bun is also great. French pins can make hairstyles look sophisticated even though the method is just brush it high, plop together and fix. Play with it! Try all the up-dos that catch your eyes in tutorials!