Biras Creek Polka-dotted Tunic

Have thoughts of unpurchased clothing followed you home from vacation? You sweep the sand from your suitcase, clutch your pictures of heavenly blue skies, turquoise pool water, sunglasses & sunhats on everyone, and wish you’d ignored the voice that cried, Are they crazy? $130 for a simple linen tunic?
Ah, yes. But not just any linen tunic. A particularly elegant navy with white polka dots. In a shop outside perhaps the most exclusive resort in Virgin Gorda (next door to the also-exclusive Bitter End Yacht Club). I was converted on the spot into a navy person, a color I've religiously avoided as too conservative.
This “Navy Dots Beach Tunic” from Island Company ($145, above) is close but more casual; perhaps the dots are too close together, the blue isn’t navy enough.

Ralph Lauren’s “Aryana Cotton Jersey Tunic” ($39.99 on sale, above) is more elegant, the right spirit, even without polka dots.

A navy top will appear in my closet sooner rather than later.