So, it turns out that there are events during the summer for which cutoff jean shorts are just not appropriate. I know - who knew, right? So for just such occasions, might I suggest this $12.50 jean skirt? Ignore where it Old Navy calls it "high-rise," because I have this skirt, and the phrase seems to be merely euphemistic for "your pelvic bones are safely hidden from view."
Not fancy enough for ya? Really step it up with this $20 skirt. But, beware, Old Navy actually calls this one "low-rise," which may mean it sits around your ankles.