| i guess pearls and silver do not really mix unless you prefer the tarnished look in silver.
the best way i think is what dfrey said, buy rhodium-plated sterling silver. there is a bit of a premium but it won't tarnish and you won't have to spend on silver cleaners if you want the "shiny silver look".
since i'm a lowly beader who sells some works at shops. it may become a problem when the silver starts to tarnish, as the products don't look new (although i think that the tarnished silver do look good on intricate beads).
since gold is expensive to be normally given away and silver tarnishes and it's hard to clean with pearls, i often use brass that may give that nice antique look to replace silver. i've also seen aluminum chains and wires being available as alternative (although the brass pins i see are often quite thick to fit in pearls with small drill holes).
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