I think I'm coming around to the idea of a long pendant(falling mid way between boons and belly button), a delicatish chain with something classy but not too twee as the pendant. Like the sort of stuff Monica Viander does but she's a bit pricey for me at the moment (although love her stuff and would save or ask DH for some of it for xmas and bday)
Also, I'm usually a silver girl all the way but lastly have been drawn to gold, and I think I can carry if off better now I'm in my 40s!
Any recommendations?