A single chain, worn your way. This 24" sterling silver lariat drapes as a long single strand, doubles for a layered look, or wraps twice for a shorter, closer fit — no clasp required at the back of the neck. The oval link chain ends in a polished lobster clasp on one side and an open-link loop on the other, so you can hook it anywhere along its length and adjust the drop to where it falls best.
Simple enough to wear alone, substantial enough to anchor a stack. Add a pendant to the working clasp, or let it stand on its own as the everyday chain you don't take off.