What's Penny Wearing? #76 Sun Dress or Cover-Up? You Decide

I found this pretty little sleeveless number at a thrift store in Auburn. Unworn, with the tag still attached (it's hidden in the back.) It has pretty embroidered details, along the gorgeous pairing of colors tangerine and green:

It looks much better belted, and can be worn as a dress:
Or, used as a swimsuit cover-up.

I'm leaning toward the latter - if I can ever find a place to go swimming, that is!
(A nice pool where there isn't anybody else around.....)