I learned this in the first year and I think it was when I had really long hair, and it got caught in the tape on a box while unloading a trailer, even in a pony tail. The necklace took me a little longer til I bought a really nice piece, black hills gold and it got caught on a box while unloading, and never found. A ring on the finger, nope, got caught in the door chain when closing it, which is when I realized it was a bad idea.
I still have long hair but I keep it way back, even doubled tied most days, and I wear jewelry when it counts. Its not worth the hassle. AS far as I know earring studs seem to be safe, while I dont think males can have them. Yes I guess its sexist.