A 316L Stainless Steel Figaro chain is perfect all by itself. It doesn't need a pendant.
14K Gold chains are expensive. But why pay their high price when you can own a 316L Stainless Steel PVD Gold chain for a fraction of the price.
And unlike gold, PVD Gold chains are hypoallergenic, and they strongly resist corrosion. The stand up to just about all you can give them and the color will not fade.