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Black belt shopper here: Jeans are not formal wear except in Hollywood. If you are talking black tie formal a black dress in a better fabric (NOT a knit) is appropriate and can be changed up to go to more than one event. For a wrap a pashmina or a fancy sweater is good. PLEASE remember that a daytime black leather bag is not your best choice as an accessory.
If this is a "formal" event like business meeting a cute dress in a more casual fabric is good. (I call this country club casual). A clutch purse as opposed to a satchel is better. You can also wear nice (wool) slacks and a fancy sweater in some places, but in general a dress is preferable.
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