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Hijab. I don't wear one. Haram?

Asalamalakum, everyone...

I know that this topic has been repeated many times. I apologize. I was actually searching the threads to see if I could get my answer...but I didn't. If anyone knows the answer, or if there is a source or a thread on this question...could someone please refer it to me? Thanks!

Anyways, I was researching, and I really wanted to know if it really is mandatory to wear a hijab? I don't wear one, but I do dress modestly without it. I wear loose clothing, I even wear a scarf around my neck to cover at all times. So I dress modestly, and I never wear tight fitted clothing. I grew up in a family, where we practice Islam and we pray and all that stuff, but my family never obligated me to wear a hijab. Even in the country where my background is from, many people don't wear a hijab, but they continue to practice and dress modestly.
I read the verses from the Quran, where the woman must only shoe her face and hands, etc.

Of course that was referring to the Prophets (PBUH) time and how his wives and anyone he was related to must cover their hair.

I asked my father, who is well aware of the Islamic religion, and he said that I am not obligated to wear a hijab...it is my choice. He said that back then, it was part of culture as well, and back then things were different, so thats why people wore a hijab. The culture and time has changed, and he said that as long as I present myself as modestly as possible and that I don't seek attention from men, I should be okay, and that Allah (swt) knows best.

So just wanted to know the answer to this. Will I be committing a sin by not wearing a hijab? Is it haram? I still practice Islam like any other Muslim...but am I lacking?

Jazak Allah Kher...