Pretty hard for me to be over-dressed as I don't really have any formal clothes. Most of the time I'm happy enough to go completely under-dressed. I just don't care.
Formal clothes are not necessary. I've seen people show up at weddings and wakes in ripped jeans and tee shirts. Everyone must have a decent pair of pants and a nice top. Sometimes it's just a matter of respect and self-respect.
You missed the 'I just don't care' bit.
I always think youget a much bigger reaction if you start being over dressed befor being und(e)ressed
...under-dressed...but have some simple accessories on hand that can dress up your outfit (scarf or sparkly jewels or killer shoes or belt)...
Depends on the occasion
It pays to carry a change of clothes in an oversized bag.
Can't choose.. better not to dress xD
Being overdressed you can make adjustments that might bring you more in line with what's called for, but by being underdressed you're kind of out there, unless you go out there and disappear.
Under-dressed. People have a "who-does-she-think-she-is" tendency towards the over-dressed aspect.