I have a gold bracelet that I rarely take off, but I usually wear a necklace, too. I have so many that I often wear two or maybe three, but one of them is a long chain with a diamond pendant that I almost always wear. The others I change depending on the outfit.
It seems that necklaces used to be more popular, and then celebrities were all photographed at red carpet events wearing nothing around their necks and going bare took on new popularity. While I agree that some dresses don't need a necklace, I also think bare necklines were taken to an unusual extreme and for a while there the prevailing wisdom with almost any dress was to wear earrings and a bracelet and nothing else. I hope that era is ending, as I love beautiful necklaces just as much as other jewelry.