We went to the @home store and just happened across some gold chargers. They were 10pack/7$ so we were able to get them. They are cardboard material but that was fine with us because they don’t look terrible and we don’t have to worry about reselling them after if we don’t want to. Before we got them we thought about not having them and doing small circle placemats under them- made of lace that we were going to cut ourselves.
We plan just to have the napkin folded in the middle of the place setting, similar to @LB's. Our tablecloths will be navy and napkins will be white, so it will look like something is there. The menu card will be in the napkin and the flatware will be where it belongs.
I plan on using lace paper doilies. The crazy part of me is considering handknitting lace chargers since I do know how to knit but luckily I'm still trying to stay sane and I realize that's not a great idea just because of the time involved.
The rental company we're using for everything offers chargers for $1/each, but they only have gold and silver. I really don't want to use either of those colors. The paper doilies I found are on Amazon for $10 for 50 of them.