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The reason to buy a matched pearl jewelry set is that the necklace, earrings and other pieces share the same pearl type, color, luster and size, so they look right worn together.
A pearl jewelry set usually includes a necklace and earrings, and may add a bracelet, ring or pendant.
Yes, pearl jewelry sets are good gifts: they are popular for weddings, bridesmaids, graduations and anniversaries because the pieces are already matched.