What To Do With a Crop Top?

I have a sweater that I really like everything about - except it's cropped. We're talking 90's belly baring. Which doesn't even make sense because it's a sweater.
Being cropped and tight, I am limited in what I'm able to pair this sweater with, as most options such as layering with a collared shirt would produce unsightly or awkward midriff region exposure. As far as I can remember, I actually hadn't previously worn a dress as a skirt, and the placement of this dress' waistline worked nicely with the top.

Sweater: Express /  Goodwill outlet
Dress: Forever21 / Goodwill / $2
Necklace: Apple of My Eye - in a grab bag deal
Boots: Consignment store / $12