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I'm 28 too. I've decided to never go out without a tie. So far it has been a lot of fun. I usually where some bring over the top button up. Like bright teal, red, pink, purple. Then a tie that matches (not a flat color).
I want to stick out from the crowd, but not in a "WTF?!" kind of way. And with the way I dress, I can stick out at sports bars or if the night takes me to a club, I'm still good to go.
Problem is it is expensive to get a big enough wardrobe of button ups and ties. But, I feel in love with the fitted shirts at express.
And, I agree with JSmooth - no on polos.
Dude I love that dressy casual after 5pm look like you just got off work. Sleeves rolled up part ways, loose top button, loose tie.

That's what I'm talking about.