Hi Crystalfly,
Your pearls are beautiful. Wear them in good health. I can't help you with the pricing but I have a suggestion for the loose pearl. You can purchase an omega chain from Pearl Paradise and request Jennifer to put the pearl on the Venus bale for you. The Venus has gold wire which wraps around the pearl and allows you to show the front and back sides of the pearl without drilling. See this link:
http://www.pearlparadise.com/detail.aspx?ID=1861
Jeanpn has 1 of her pearls done the same way here:
A Tahitian drop