What is Reddit's opinion of gilt?

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Hello, and thank you in Advance to anyone that helps.. I'm a guy, and I consider myself fairly well dressed, and I've been looking to get my gf something nice for valentines day, I've been wanted to get her a necklace of some sort... I've picked out this one. I like the look because it's elegant yet subtle, and would break up her neck I think, do y'all like the look of it? If not could you help me find something similar in that price range? Something well made if possible... Also she always just keeps her cash and credit cards in her pockets, and it bugs me so I've been wanted to get her something to fix that, should I just get her a wallet? Or a clutch? I don't really know my woman's fashion, could y'all help me find something?