I suspect I know the reason it shows up as a cloak when dropped in the world. Did you set its ParentTemplateID to the UUID of a cloak item? That will make your item default to all the values of the parent item unless otherwise specified, including the value for VisualTemplate, which controls an item's LOOT Model (i.e. what an item looks like lying on the ground or in the Examine window).
Just checked (I used the Equipment Generator to add this into the game, so it's very likely that the roottemplate generated the way you're describing) and yeah, the RootTemplate has the UUID of a cloak, hence why it's showing up that way. How woud I go about changing it? Just switching the UUID for the one that this necklace uses?
It's probably best to leave the ParentTemplateID as it is, so that the item behaves reliably like a cloak. But you can change the VisualTemplate UUID to something else; what you're looking for isn't the same string as an item's UUID, but the UUID for a VisualBank resource. You might be able to use the same UUID as your necklace's visuals (probably stored in Public/Modname/Content/Assets/Characters/[PAK]_Armor/_merged)
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I wish you lots of inspiration! <3