Hi! I think this piece is lovely, but compared to the 20, I think it looks busy. It's because the motifs are different sizes plus you have a jumbo motif at the bottom.
For me, I love love love the 20. The 20 is bold, but because all the motifs are the same size and space equally apart, the look is clean. The 20 is clearly a "long necklace" look and super easy to wear.
The necklace you posted is nice, but it's kind of messy to me because it is both a "long necklace" with varying motifs plus a "long pendant" together as one necklace.
My gut says since you have it in your posession now at home but you are still worried how often you will wear it, it's not a perfect fit for your lifestyle.
The main reason for me against this necklace is that jumbo motif at the bottom. If it was more like the long Magic 16 which is more balanced or the 20 motif (which I love 20s!), I think it would look nicer. That's just me though, and jewelry is 100% preference.
By the way, VCA mainline pieces are very casual... I wear Alhambra, Frivole, Lotus... all with striped tees and shorts. I would not worry about it being dressy. I would worry more about it being "busy" looking for your lifestyle. Busy is very different than being dressy, and this necklace is "casual busy" to me.
Just my two cents to share. Hope this helps, and good luck on your decision.