Your white cotton lace insert dress looks 1909-1910 to me. They were extremely popular at the time and available in a variety of qualities and price points depending upon the quality of the lace, cotton/linen, and construction used. I have seen them in original photographs being worn by women for every day dressy summer wear (going to a fair, shopping downtown, church, even playing lawn tennis), but I have also seen photos of them being worn as wedding dresses, and even own one with that provenance.