Navy and charcoal are close enough in depth to read as a single dark, cool story rather than two separate decisions, which is the appeal of a tonal outfit — the eye doesn't have to do any work. Both pieces are light enough for actual heat, not just heat in theory. This is for the Saturday that's really just errands with better lighting: the dry cleaner, the hardware store, a stop for coffee that turns into forty-five minutes. A monochrome outfit this easy means getting dressed stops being a decision at all.
Finish with white sneakers to keep the dark palette from reading too serious for a Saturday.