Actually, thinking about it you could also go the other way around: First make your jewels and the connected them via spring constraints with fixed length. This would avoid the slightly awkward wire-constraint-rbd solution. You'd still have to use the complicated constraint setup though and extracting the curve of the necklace out of it may be cumbersome, especially if the chain breaks. However, the hole thing may be more elegant and stable if you don't want things to break too much.