Mikimoto pearl studs are set in 18k, I'm going to check them out myself. I have some Tiffany studs but Mikimoto pearls are less $$ and I've read that they're quality is excellent. I think you could get a basic pair for around $200, the cost goes up as the size goes up. I love the look of pearls and I think they'd suit you.
Another option might be for you to go to an ethnic jewelry store, either Arab or Indian, because they tend to carry 22k and they price by weight so you can get something very exotic for much less then you'd think, probably basic earrings for $100-200? I have lots of jewelry from an Arabic jewelry store and get tons of compliments on it, including two rings I bought for $50 each that have red enamel (this was when gold was less expensive though). Some of the earrings screw in so make sure that you try them on, the posts can be thick for American sized earring holes. Also, the color of the gold will be different then 14k or 18k because its a purer gold. Its very pretty though in my opinion.
Also, some places have CZ earrings set in plated platinum, like Macys or Bloomingdales, can you wear that? I've seen some really cute pave ball earrings that looks 'real' to me.
Maybe also try pawn shops, just go in and ask for 18k or 22k jewelry. See what they charge by weight though, that's when you'll know if you're getting a good deal or not. I think a nice pair of gold hoops would also look good. Btw. jewelry marked 750 is 18k, and 595 is 14k, just FYI, in case you didn't know. I got an amazing pair of handmade 18k earrings while traveling once for my mom in a pawn shop outside Vatican City, so you never know!
Hope this helps!