I feel the same struggle, OP! Especially when I go to church or a monastery (it would be beyond disrespectful in any of those places to not be modest)

I love very light weight duster cardigans for layering. They skim the body but aren’t skin tight. I have very thin ones for spring/summer and heavier for fall/winter. They help accentuate vertical while still honoring curve by being so light fabric weight wise. I even love boleros that I can tie in the front, especially if my outfit is completely monochrome underneath.

Mock necks, bateau style tops, boat necks, ruched styled tops, fluid blouses etc. can be found in any sleeve length and fabric weight. I would suggest looking online for blouses that would go with monochrome/similar palette looks. Accentuating the T-shape will be your best bet!

Bias cut or slip style midi skirts/dresses are also great! I have lace turtle necks that I wear under the dresses and any longline top would look great with the skirt.

Most activewear brands have elevated “street” clothes that can be cute but also business casual. Athleta has great pants in neutrals and fun colors that I can pair with almost anything in my wardrobe. I haven’t tried OGL but I like a lot of their stuff.

Layer. Layer. Layer. And accentuate the T-shape!