I finally broke down and bought a wheel of simple nail danglers which came with a free tool.
The wheel came with 12 different slots of colors. About 10 rings in each slot. So 120 danglers total.
Please excuse the few blurry pics. My camera didn't want to pick them up even on marco :-s
This is the tool. Twist off the end (this one was Righty Loosey, not lefty loosey, go figure. Took me a good 5 minutes to figure that out) and it reveals this small sharp drill bit.
** TUTORIAL ***Place your finger underside up on a flat surface
*I placed my hole toward the outer edge, some place it right in the middle (center)
*Place drill bit on backside of nail and slowly twist
*In just a few twists, you'll have a hole
*The rings have a cut in them
*slightly bend it apart with tweezers or flat nose pliers
(i used both)
*place one end through the hole on your nail
*Squeeze ring back together
*ALL DONE!
It's not bugging me like I thought it would.
I really kind of like it. Once I get used to it, I'll add a charm to it.