I used to wear simple necklaces, but then I hit those awful years of protracted hot flashes. A necklaces and bracelets became rings of fire around my neck and wrist. The only jewelry I could tolerate actually touching my skin was ear rings---and at that, only some of the time.
I'm finding I can wear a necklace again, but I certainly am not going to sink any amount of big money into the idea. Mike has given me an antique silver pin, a gold and diamond pin, diamond earrings, pearl and gold earrings over the years. Then he gave up. All that stuff is in the safe along with my diamond ring and gold wedding band. It makes me nervous to wear it because know I'm bound to lose it and I would feel worse knowing I lost it than I would feel good having it on. I know that doesn't make a whole lot of sense, but there you have it.