I grew up Mormon, and I had an aunt who always said “no pits, ****, or belly buttons.” Mormons, as you may know, wear temple garments, which come almost to the knee and have little sleeves, and their clothes have to cover them. While I’m no longer Mormon (thank God), a good idea is a good idea. So, my idea of essential modesty is being covered at least to right above the knee, with no cleavage or middriff showing, and short sleeves. This standard, IMHO, applies to men as well as women.
I do also wear a headcovering, anything from a wide headband to a long scarf, on most days about town and always at Mass. However, I consider that a devotion and not a modesty essential, and should be discussed separately.
In practical terms, my typical summer dress is a t-shirt with jeans, capris, or a long gypsy skirt. At work, I wear a polo or oxford shirt with long khakis, capris, or a long knit skirt. I haven’t laid my hands on a swimsiut yet this year, but I anticipate wearing a modestly cut one piece suit with board shorts or a shorty wetsuit.
Pax,
-S-