ascendo, i think it depends. My face is very small with very high cheekbones, I would never pull long earrings and necklace together unless I go for the christmas tree look. I am wearing discrete studs with necklaces.
The only time I can match necklaces with earrings (studs) is if I am wearing pearls, I am very dark and the white really brightens up my face, but it is not a look I would use every day.
The most used necklace lately is a mint velvet one, very long with some random silvery leaves hanging off it.
Had a think about the pulled together look last night. To sum it up for me it would be: clean, polished, ironed, discrete, fitting, scented and an attitude to match.
I went on a visit the other day and met this very very old friend that I haven't seen in years, I didn't know she will be there, it was a family do. I thought she looked very well and told her so, only to open the floodgates: yeah, but look at my belly, look at my burst veins, look at, look at, I look like shit, but look at you, I would never be able to wear a jersey dress like you and look fantastic etc. Well, I have a bit of a belly too, and burst capillaries and so on, I am hardly 20 anymore. She then asks me ifI breastfed, because my boobs aren't saggy!!!! As it happens I did and they are going south. Did you have them lifted? Christ no, I just wear a bra!
What I am saying is that no matter how I explained, she truelly believed I looked good and she didn't. The thing is, she does look good, it's all in her head, she would probably look better than me in my dress, but she just won't register.
So attitude is vital.