How To Wear A Statement Necklace With Collared Shirt

As a statement necklace lover, I like to wear my necklaces whenever I get the chance.  I have no problems with round neck tops but when it comes to collar tops, I am at a loss.  Should I wear the necklace over the collar or inside the collar?  I usually do not button up my collar so that explains why I cannot decide which way is better.  What do you think?

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Statement necklaces worn inside the collar tops

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Statement necklace with a button up collar

What about non-button up collar?  Any tips?

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