Not sure if there is a sure-fire way. Even if you leave the necklace, sooner or later the wraith will appear. In the long run it will not change much if you take it or not. No reason to scrap the game, IMHO.
Since sleeping has to be avoided, get some sleep early on so that you are rested at nightfall. (That is if you don't forget that a bloodmoon is due as I do each and every time...)
There are some locations which are more or less safe. But this might change...
- Dancing, very exhausting, there are pale interludes, but I guess they are harmless as long as you keep dancing.
- the cemetery seems to be completely safe so far, I found out recently.
- Excessive bathing? I guess? But that causes other unpleasant events during nighttime.
- Excessive showering. Extremely boring, but I guess it's safe.
- Any of the soft bad ends? Maybe too complicated? Morgan is maybe worth a try?