For what it's worth, I was "there" for a while because I literally couldn't afford it, but now that I can afford it, I find myself battling between what I want to wear, how much I want it to be of a certain quality, and how to practically think through how much I choose to spend on each piece

Short answer to your question: I currently rock beads and a watch. I will likely own two chains soonish, and may look into rings and bracelets at some point in the future. I do think it's a form of expression and I like the way I look with jewelry on