Answer:
Explanation:
"The colon is used to separate two independent clauses when the second explains or illustrates the first. In such usage, the colon functions in much the same way as the semicolon. As with the semicolon, do not capitalize the first word after the colon unless the word is ordinarily capitalized."
In this case, "In the end, she settled for something simple" and "a black tee, ripped jeans, and a headband" are two independent clauses. However, because "a black tee, ripped jeans, and a headband" further illustrates the first, you add a colon. If that makes any sense lol.