I rarely wear any jewelry because I'm allergic to nickel which is in most metal mixes, even my wedding ring. Occasionally I'll wear a necklace on top of a blouse or sweater, but even then I have to make sure it doesn't touch the back of my neck.
I always wanted to be one of those women who accessorized every outfit, with jewelry, scarfs and perfume, but I'm too lazy. I put on pants, top, shoes and maybe a touch of lipstick. Kroger is lucky I don't show up in my pajamas.