I saw these 54" freshwater pearls on JCrew for almost $500 (!). What's the consensus? Majorly overpriced? Worth the investment? (I mean, considering they are not cultured pearls.)

http://www.jcrew.com/AST/Brows...../94227.jsp

Does anyone have a 50% coupon to JCrew I could borrow? A rich uncle? No? Hm.

What about the four strand necklace instead?

http://www.jcrew.com/AST/Brows...../21846.jsp

(As a total aside, I love these two bib necklaces, but I can't imagine wearing these to a playdate...not for this MOTG, anyway: http://www.jcrew.com/AST/Brows...../31423.jsp

http://www.jcrew.com/AST/Brows...../27983.jsp

I would like to add a longer pearl necklace to my collection, and have nothing similar to the ones I posted above. While the bib necklaces seem a bit...much, I could see myself wearing the first two frequently (if my wardrobe shapes up, that is!)

Advise me, ladies!