Who ever said you had to be ‘dressed to the nines?’
Let’s say that you normally wear to work dress pants and a blouse. For daily mass, same thing. For Sunday Mass, wear a knee length skirt and a blouse. If you really cannot stand skirts or have issues with spider veins etc., then wear dress pants and a blazer over a blouse/top if the weather is cool, and dress pants with a lightweight but not sheer top, and accessorize. Wear a cross necklace or lapel pin. Tie a silk scarf and tack it with an angel pin.
Now, what if you normally wear scrubs or denim to work? Then if you have the time to change for daily Mass, again, put on a pair of dressy slacks, or a simple skirt, and blouse. If you don’t have time to change, then wearing work clothes is perfectly appropriate so long as they are clean and modest.
And for Sunday Mass, assuming you aren’t working that day, that’s the time to do as the above --dressy pants or skirt, blouse, necklace, pin, scarf. A little more pulled together to show that Mass is something you prepared for outwardly to reflect, of course, that you are also preparing yourself inwardly.
Now those ‘dress pants’ do not have to be $100 designer things. I’m sure you’ll probably recognize "Alfred Dunner’ as a designer for attractive pant and top outfits that look dressy but are not expensive (hello, Blair catalog), often found on sale. Clean, reasonably priced, attractive, and modest, and fit a variety of sizes.
As for the jewelry, quite often (ask my mother) various religious groups will send necklaces, rosaries, pins etc. for free. If you don’t get them in your mail, you probably have friends who do and would be delighted to give you some.
That’s my take on it FWIW.