Playing off the pearl garland, I would use
pearl napkin rings and a pearl rimmed charger under the dinner plate for this setting.
I have used red damask napkins and mother of
pearl napkin rings from Walmart right next to the sterling and bone china.
I found these gold and
pearl napkin rings at Bed, Bath and Beyond (aka BBB) this past week.
Not exact matches
We also made the mismatched
napkin rings (learn how here) for the gold polka dot
napkins using burlap ribbon, buttons, metal tags (from the jewelry aisle at Michaels),
pearls and burlap flowers (also from Michaels).