Like artist, I only own 1 piece of jewelry, which is my wedding band. The wedding ring I had made for my DW is insured ... I smile when she takes it off (like to stuff a turkey), because it's appraised and insured for W-A-Y more than it cost to put together.
FWIW I think it is admirable for a woman to have a gem of an intellect, along with nuggets of insight. I druther that, than she own/wear gems set in gold.