I am with you on the 20s! I love love love 20s and also matching earrings as you do. I think it's the perfect look.
Congrats on your new earrings and soon-to-be 20.
I don't wear pendants, but I think you do. One look I love is VA earrings, the VA short pendant (worn over skin, not clothes, so a V-neck), and then the 20. I am in love with that look. Some might think it's over the top, but I love it. I would do that in a heartbeat if I wore pendants. Maybe see if you like it; you might think it's over the top.
Here is the look. The photo appears to be a WG MOP 20 and the rest pave. I have a WG MOP set, so I wear the earrings, 20, and two 5s. All I'm missing is the pendant!
I really really love how the pendant lays on her, right at the bottom of the hollow of her neck; the perfect placement to highlight that area.