Well I must be the lowest of the low in the class system!
I was born, brought up, and continue to live in the north of England. 71 years of northernness.
We have breakfast, elevensies, dinner, tea, supper in that order. Supper is last thing before bed, and normally is just a hot drink with biscuits or a sandwich.
To avoid confusion on the forum I refer to tea as evening meal, but would never use that phrase outside the forum.
As I understand it, the meal "tea" originated from "afternoon tea", which still exists as a meal and normally involves cream cakes, crustless sandwiches, and a pot of tea. This is still served in cafes and hotels all over the country mid afternoon.
As for vests, they are worn next to the skin for extra warmth. Waistcoats are sleeveless, short to the waist, and buttoned up the front. They are worn over the shirt and under a jacket. Do not get me started on liberty bodices. Dreadful invention for little girls. In my days all little girls wore them until they were "big enough" for a bra.