I found a blue Golden Glory (lvl 135) with 4 slots -
hp: 6
Atk: 1
Def: 1
Int: 30
Spirit: 174
Gosh I wish the spirit was on another attribute, but I guess I'll take it.
If there was a card (similar to reborn for Pets) that would redistribute necklace values, that would be pretty cool. I guess in the end end end game and PVP necklaces make and break the battle, huh?