I love the j crew necklaces, too. But if they're out of your budget, I've bought pieces from Sam Moon and been pretty pleased - especially for the price.
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"I was thinking about getting off on demand, but it sounds like I should be glad that I didn't"
I don't love either of those necklaces. The neckline is a little low so it would be best not to wear something that will be right around your neck, IMO. I also would stick with your black peep-toes.
ETA: if the neckline was higher or lower, I would say no necklace but it's sort of a weird in-between and I think it could use some jazzing up.
And earrings like this, except they look like mickey mouse (just realised afetr posting). I mean, pendant earrings, with black detail but something simple, not frilly.