I've seen so many pretty statement necklaces lately, and at all price points! I only wear silver, and figure that pearl studs are neutral, but so many of the pretty necklaces I'm drawn to have gold chains. Would I wear any earrings with a big necklace? I wouldn't want to match/coordinate the stones, would I? I can't wear my diamond studs which have silver prongs with a necklace that has gold, right?