I tend to think people should spend more time developing their own world and characters than making fan characters of any fandom, so I tend to just say "eh." lD It's better when you can come up with your own rules and not be constrained by the rules of someone else's world.
I don't usually comment, but I think it really depends on the design of the Pearl Gemsona. if it's a more showy/flashy servant Pearl like peridot said instead of a complete elegant, ballerina, weapon expert ripoff of the show's Pearl then it's fine to me.
Pearl is abnormal compared to other pearls, so copying her personality is fairly easy; making a design for a homeworld Pearl matched with canon as well as head-canon characteristics sounds like something interesting to do though.
I had a Pearl character previous to the episodes-- honestly people making all these pearls makes me feel better about it because fan characters who share a name with canon characters sometimes get a lot of crap y'know :3c