The Look For Less: Embellished Sweatshirt

Remember when I mentioned this morning that I liked the J.Crew embellished sweatshirt but I felt like I could DIY it for a fraction of the price?

Well it seems Old Navy beat me to the punch.  Same look: neckline of sweatshirt embellished with beads.  But an enormous price difference.

J.Crew jewel embellished Necklace Sweatshirt:  $98

Old Navy embellished Raglan Sweatshirt:  $17

At that price, I predict one of the Old Navy sweatshirts will definitely make their way into my comfie casual winter rotation {read: what I wear every other day}.  What are your thoughts on the jazzed up sweatshirt look?  Silly or a nice way to be comfortable but look slightly less sloppy?