You do not need to create a logistical crisis just to wear a full suit for a virtual interview. Clean, professional business attire is more important than matching one exact uniform.

If you know the interview is more formal, you can make a small adjustment such as adding a jacket or changing the top layer without needing a complete outfit change.

The bigger risk is taking the call from an environment where you are rushed, interrupted or worried that coworkers can hear you. Solve the privacy and setup problem first.

Test the camera framing in the clothes you will actually wear and make sure the overall presentation looks intentional. Professional and composed beats visibly stressed but technically more formal. That impression matters more than exact formality.

I would take a calm business-casual interview over a rushed suit change any day.