The high waist and low nude part made Phyllis look droopy compared to the model and the thin black trim at the neck and armholes made the dress look cheap; wider, like the other black bands on the dress would have made it look more balanced. Lily's top highlighted her beautiful skin, but looks drab on the model.
The only time nude tops make sense is for figure skaters who need full coverage while spinning & flipping around energetically, but want the look of a more delicate design.