w/o

i like it with both. during the day i'd go without though!

I like without. The vest is cute but I think combined with the stripes it makes your shoulders look wide or something.

I'm voting without

i love vests, but on this particular look i vote without

I like the first look better, without the vest... I like how you added the little hints of red...!!!

w/out.

I really like it, go without it! lol

love it either way

both look great!! but if i would wear this it would be without the vest..i feel stuffy in them now. But it looks great with or w/out.

Yeah, I think it looks great both ways!

Well my vote is for the vest... but I'm way outnumbered.
Really cute either way though.

I actually think with the vest, but without so many necklaces...

I love both looks.... nautical and fab.