24:31 contains the dress code for a properly-attired Muslim woman.
Way I look at it, no cleavage should be on view. That's it.
A woman's "ornaments" are her breasts and thighs.
Arguably, an ugly woman has no ornaments at all and everything about a beautiful woman is an ornament, including her eyes, which you cannot cover or you would be blinding her. I suppose you could argue that she should always wear sunglasses in a public place, but that would be impractical and extreme.
Having dealt with a woman's upper torso, we now, er, "lower our gaze" to her legs.
Therefore, you have some sort of sensible rule. I would suggest that modest dress includes skirts.
Let us say then that anything above a woman's knee is an ornament, and skirts, to be modest, should cover a woman's thighs.
In one morning I have single-handedly resolved and pronounced upon the proper dress code for all decent, right-minded women, Muslim and non-Muslim, for all time.
In a perfect world, I would be called upon to be the Mufti of Britain.