Fashion Mod Help

I just found this dress in a thrift shop ($8) and had to get it because she skirt portion is this lovely printed velvet. However, I'm not so into the gold metallic ruched top (also it's currently strapless, unless I hunt down some straps to hook onto the loops, and I prefer my clothing to have straps).

My short-term plan is to wear it with a short cardi over the top (hide the gold) - but I'd love advice & inspiration photos for permanent alterations to make the dress a bit more classic and a bit less disco (there is a time and place for shiny metallic fabric, I just don't think it's on top of a lovely velvet skirt). I'd love a new black top portion to this, something with straps.

The tricky part is that the dress has a side zipper that goes through the gold fabric.... so actually removing the gold & replacing it will be tricky (my sewing skills, especially re: alterations, are pretty weak)!

All ideas/suggestions are welcome!  Also - yay for thrift store finds!