I've picked up a bargain black velvet cowl neck top in a charity shop - really like it, the neckline isn't too low (almost boat neck) or fussy and I think I'll wear it a lot over Christmas, but I've tried it on with various length necklaces and nothing sits right. I normally wear a simple silver pendant or long beads which clearly isn't working. Would a shorter, chunkier necklace work better or is it best with a bare neck (feels a bit underdressed but maybe just not what I'm used to)?