You don't own a belt?!!! I own a couple dozen, but never wear them :( I'm afraid I'm a bit more of the brooch/scarf person, and when I put on the belt I feel like I'm overdoing it! Do another post after you've assembled your own style, give us some good 'personal' ideas!
See, I always tried to wear the belt the traditions way...through belt loops! I love the idea of over a dress, cardi, or coat. I'll def post pics.