thanks for all your replies.
Yeah, Kate, I like that one too!
When I was at the mall yesterday, I decided to go to Sephora to get their opinion about the warm /cool skin tone thing. Apparently, I'm more neutral to cool than true cool. I went to a jeweler after that and played with their pieces. She also said I'm more neutral and that either yellow gold, white gold or silver would work with me. With the white gold sometimes it matched my skin too closely (for that pale and ashy look!) and with the yellow gold as long as it was not brassy yellow it actually looked good. She also recommended rose gold for me though she didn't sell any. She told me to watch the copper content in rose gold since that affects its tone.
Thank you Lynne for that as well.
THEN... I tried the watch referred to in Kate's post (see above) and I really liked that. It actually made my skin "more rosy". I think I may have found the watch (again, thanks to Kate), but it'll be a bit or work to find rose gold hoops the way I want them. As mentioned in Kate's thread, I like how rose gold is more associated with vintage pieces and I have a bit of a retro vibe with my clothes.