[MSEA] Mind of Maple necklace

You have to talk to Moneybags, he'll take the pendant and give you an etc. version of the necklace.

Oh, I see. I talked to Moneybags before I even did the quest.

Doxinator, looks like you can keep upgrading it, with Moneybags' third option. I'm not sure exactly what it does, but looking at the description, seems you can.

Also, anybody know how often the Gem comes from Gacha? If it's as common as those... Amorian Heart chair bla bla stuff, then it just might be worth giving it a go.