I think the jewelry sounds good! I really like the idea of the charm bracelet as well. Go with what you feel comfortable with. If you're not a wild girl then don't wear wild jewelry. If you're into classy jewelry then wear classy jewelry! Wear what represents YOU!
(BTW I think the earrings sound very classy!)
You can still have a spunky unique feel. Maybe try thinking about what makes you unique and make sure that part of you comes out during conversations.