it actually is hashkafic I had to ask a shaila about it lately
I live with a community in which it is accepted for frum women to wear socks
but two weeks ago my family took a vacation to greece to a place where there was no frum community at all period
I really hate wearing sock in the summer and prefer to walk around in flip flops
I called 4 rabbis and the first 3 said they couldnt answer it correctly as it was purely hashkafic and up to me
the 4th said it was a problem of lowering my standards and I should play it by ear
in short go by your kehila
but at the end of the day it really boils down to you
tznius is an inside job