Cravat Shirt

The other week during the Bloomies sale, I was struck by a need to buy something- anything- just to take advantage of the "40% on top of sale price" discount. Late for dinner and pressed for time, I randomly grabbed the first thing that caught my eye in my size: this black top with a white cravat from the Bloomies house brand, Aqua (below left). I figured if I really didn't like it I can always return it later.
Ever since I have been wavering between love and hate. On the love side, the cravat detail is really cute and very retro French chic (as HG describes it). And I imagine it would look really cute peeking from under a blazer. It doesn't look too flattering on the hanger, but it doesn't look to bad on me. On the hate side, the contrast is a bit too sharp and on first impression, the cravat looks a little bib-like and over all looks a bit waitressy (at least, that was the first reaction of one of my friends upon seeing it). Though the cravat does seem to work on this Isaac Mizrahi dress (right) making it look feminine and sophisticated.........
Another thing is that I can't decide how I'd wear it. I know I said it'll look cute from under a blazer, but if I pair it with black pants, it will look work-like, like the Valentino Red dress shirt here (right), which is not entirely bad, but if I wore it with a black blazer, I'd look very black ....... Casually I could try it with jeans like with the Marc by Marc Jacobs shirt above (left). I actually tried it with my khaki skinny jeans the other day, but it looked a bit odd. Maybe blue jeans? A skirts? Maybe I just don't know how to rock the retro French look.........I should really stop thinking so much about a $40 top.

But what do you reckon? Is this a keeper or not?

Image Source: Saks and Net a Porter