no u dont need macro lens....... u can even use a wide angle but it all depends on how closely you want to show the item....... a 50/1.8 will do usually
a macro if you want to show it at or near 1:1 perspective
Depends on what are you taking. But for product shot you need it. If you wan to have the details of the bead and jewellery you need it. You will not need one if you are just taking a photo and show no detail of both.