Pearl necklaces are what I put on when an outfit looks half finished but I can't work out why, usually five minutes before I need to leave. A plain jumper, a shirt with the collar open, something sensible for a meeting that needs one small sign of effort. Pearls do that job without looking like you tried too hard.
They do fall apart next to anything else that's trying to be noticed. A statement earring, a chunky chain, a print with a lot going on, and the pearls just get lost or start a fight they can't win. Chunky knits are a particular problem, the strand sinks into the wool and you spend the whole day fishing it back out from under a roll neck. They also don't love being layered with anything metallic and loud, gold hoops are fine, a big stack of bangles that clatter is not, it turns the whole thing noisy when pearls are meant to be the quiet bit. And if you're going somewhere properly casual, trainers, big coat, rushing for a bus, a strand of pearls can look oddly formal against everything else, like you got dressed for two different days.
Where they genuinely let you down is anything active or outdoorsy, a long walk, a gym bag day, weather that means you're wrapping a scarf twice round your neck, because a strand under fabric you keep adjusting will twist and the clasp ends up sitting under your chin by lunchtime. Worth checking in the shop before you buy, the clasp itself, a lot of cheaper versions use a tiny spring ring that's a nightmare with cold fingers or short nails, and you'll be the person asking a stranger to do it up. Check the gap at the back of your neck too, some sit high and tight, which is lovely on a round neckline but fights with a collared shirt, where it pulls the collar out of shape rather than sitting on top of it. Look at how the beads are strung as well, a proper knot between each pearl means if it ever snaps you lose one bead, not the whole handful across a kitchen floor. For colour, cream or a soft ivory is the easiest to live with by far, it goes with warm and cool tones both and never looks odd against your skin the way stark white can. A grey or dove toned pearl is lovely but harder to match, save that one for darker, simpler outfits.
Tomorrow morning mine is going on with a plain white shirt and nothing else at the neck, no scarf, no second necklace, just that.