Juli it may very well be casual on you. I am a shy introvert and I have to have very plain things.
I must say though that I like how this necklace hangs and will fill in a scoop neckline area. All of my necklaces are longer and I will be looking for one that does the job of this one, but for me it will have to be more plain, for a plain Jane. So please don't let me stop you from trying this if you love it. I love it too, just couldn't wear it unless dressed up.
EDIT:
After reading your post Juli, I decided to look at AT's jewelry and I ended up ordering this one with my 40% discount.
http://www.anntaylor.com/catal.....pe=Regular
Does this one look too dressy? I hoped that the chain loops would bring it down a notch.