I think it's a matter of your personal style. I hardly ever wear studs, regardless of what kind of necklace I'm wearing. I think dangly earrings can look cool with layered necklaces. But again, if you work in a conservative environment, work probably isn't the place to be flashing all of that jewelry around, but for a night out, I'm all about piling it on. (see my answer to a 'earrings with a chunky necklace' post).
sorry, it is hard for me to find examples at the moment. Jlear has some awesome pieces that she wears all the time with her long necklaces- i think she's in NY right now though.