beroy Women's Midi Length Skorts Skirts with 3 Pockets Modest Skirts Women's 24" Knee Length Skort

The picture shows the skort sits quite a bit below the belly button. Is that correct?

Is this skirt different from the undercover waterwear skirt? does anyone know if the waterwear skirt is better for swimming?

I am 5'4-1/2", weigh 128, will Medium fit me?

Are the leggings underneath always a different color (specifically curious about the black skirt)?