1) Generally, do not wear on more than one necklace, but you can encircle a long necklace to several rings.
2) Generally, male necklace should not show up.
3) Short necklace, about 40cm long, matches decolletage jacket; moderate long necklace, about 50cm long, is suitable for wide use; long necklace, about 60cm long, is suitable for females in social occasion; extra long necklace, more than 70cm long, is suitable for females in stately social occasion.
Sounds like you need a pendant necklace. Pendant necklaces are beautiful statement pieces to add to any outfit. They look great with a pair of jeans and a plain top, or as the final touch to a fancier look.
Just make sure the colors of your outfit and the necklace complement each other. This is easiest to do when everything is a single color. When you start getting into patterned shirts and funky stone pendants, you might have an outfit that is too busy.
Having trouble deciding between the earrings or the necklace? One way to make this easier is to make note of your neckline.
Some tops are made to work with pendant necklaces. Others are not.
Halter necklines, for example, are all about shoulders and confidence. Play up this look by pulling back your hair, wearing your big earrings, and saving the pendant for another night.