Well, my really good pieces are fully insured and completely replaceable. I don't wear a lot of jewelry around the house (basically just my watch most of the time, maybe a plain gold band if I am going somewhere and remember to put it on) but I don't feel that it's any fun to have jewelry if it has to live somewhere other than in my house. We do have a huge safe in our closet (Mark ordered it without seeing an example, and it could house a couple of small children) but unless we are out of town it isn't even locked.

Mark and I have never exchanged "formal gifts" for holidays, I picked up what I wanted when I saw it. I have some incredibly gorgeous "fun" pieces that are maybe not replaceable (and not insured because they aren't worth enough to pay insurance prices for years on end) but by golly, I'm not going to wait until the grandchildren get old enough to have fun wearing them. I want that joy, too.

I'm careful when I need to be, and I know where not to flash the bling. But they aren't going to be locked up, either. Most of my jewelry has a fun history, and I enjoy telling the stories. Like the black opals that were sent to me from Australia "on approval".