Pearls are extremely dressy especially the black pearls you have. Where did you get it from by the way?
I would wear it with a plain colored dressy top, preferably high neck and another color other than black and a skirt or dressy pants with heels. I wouldn't recommend them with jeans especially the black pearls you have.
Wrap them! I love the look of long pearls... very flapper-ish and ladylike. Pearls are quite versatile and you can instantly dress up any outfit with them and give yourself a more polished look. Jeans with simple tops... even. Just no graphic print tshirts and you should be fine.
I love your necklace. Sooo pretty! I got one similar to yours last week. Mine is 75 inches. I love the long length. So many ways to wear it. You can wear it in tiers, 2,3 & 4. Also around the neck & 2 strands hanging down. I like to wear mine around my neck & then tie a knot. I think it can be worn 10-12 or maybe even more different ways. I think the longer they are the more versatile they become.