I have spent more money on clothes this past year than anything. I love to dress up and look nice. Even when i was 300 lbs i loved it. I find myself thrifting alot and wearing lots of skirts because a skirt will last longer than a pair of jeans.
wearing basic black tops with pretty jewelry makes you look put together and i find it doesn't look like your wearing the same thing every day if you change your jewelry up. Scarves in winter and fall can make you look like you have different outfits even if you wear the same black shirt every day (washed of course). I've splurged more on jewelry than anything because like you said, you can wear that at any size. However beware of rings. I went from a size 9 ring down to a 6. My engagement ring doesn't fit anymore.