For the men, the official line is a morning coat or lounge suit. Before you panic, that just means a dark suit with a tie—the same thing you’d wear to a wedding or a fancy job interview. You don’t need a top hat unless you’re secretly auditioning for a period drama.
Think of it like this: if you’d wear it to a nice restaurant with white tablecloths, you’re good. And please, please leave the baseball cap at home. The Queen’s guards already have the hat monopoly, and yours won’t help you blend in.