I would have a photograph made of the piece so that if ever you had to face the heartbreak of not having it, you could at least have it copied.
This was a big question I had on our trip to Italy. I ended up wearing some everyday pieces of jewelery that we could replace if needed and I left my non-replacable stuff at home. Yes, at times I felt naked or underdressed. A lot of women were wearing good stuff on our tour. One woman was wearing at least 6-7 cararts of wedding ring and the same Omega Watch I wear for special occasions. I'd have been afraid wearing that. I never felt uncomfortable wandering around because I might get mugged because I was wearing something flashy. routinely I see women out to impress on vacation, but, I feel that I am not making myself a target if I wear just a little simple jewelery.