I think it also accounts for my current love affair with long necklaces. I like to layer those too. Since I wear a lot of black and I have a lot of silver jewelry, I can come up with quite a few combinations that work well together.
My usual go to is Romantica Revisited
You can't see it that well here, but this simple silver right angle weave chain that a touch of whimsy is suspended from gets pressed into action for many different pendants.
And the pearl and 2mm crystal spiral necklace gets used over and over for different pieces of beadwork. This is when it's helpful to be stuck in a neutral color rut.....everything goes!
Do you ever wear more than one necklace at a time? If not, you may want to give it a try, it's fun!