There are so many necklace styles out there. My latest obsession is ring necklaces, like this Made Her Think Ring Necklace ($209, originally $298). Jeweld necklaces have their place, but this style will lend downtown edge to any ensemble. Even on sale, it's still pretty pricey.
To see the look for less,
This Forever 21 Assorted Rings Necklace ($7) is way easier on the wallet, plus it has the same ring motif. It's not gunmetal like the MHT version, but I can roll with the bright silver shine.