I couldn't agree more
. I wear jeans, but I would always have my Friday/Weekend jacket on which usually is some kind of tweed. And from my past career, I have all my tailored suits which I wear all the time. Believe it or not, I still wear a jacket when I go to the grocery store as well.
My rule of thumb is this:
if unsure about an occasion's level of formality, overdressing is the safer bet. By dressing up, not only do you pay a compliment to your client, cohort, or company, but you always have the option of removing your jacket. Plus, don't you feel good when you know you look like a million dollars.
Especially being a SAHM, it's easy to let a lot of things slide and I really don't want to go there.