I consistently love long cardigans like this on other people when I see them, but I really don't know if it would ever work on me! I would pair them with skinny jeans in black or another muted colour (forest green, burgundy) and my brown "leather" stacked heeled boots., with any old tee. I don't have any jeans that I can really tuck things into, though.
I have always had a love for embroidered cardigans. As a young woman I found them at thrift stores, and wore the sweaters of mothers generation. I still remember the joy of stumbling upon my first "vintage" shop in Berkeley some 30 years ago.