I'm pretty boring...even before taking up cycling again, I never wore much jewellry.
I wear pierced earrings and like to wear this jewellry because people will see it when they see my face. So on bike, I tend to wear 1 of 2 pairs out of 15 pairs, which will stay in place without falling out of earlobes.. I wear real silver or gold, so I don't want $$ lost while cycling. I do wear handmade, artistic earrings since it's my only type of jewellry I wear on my body. Meanwhile I have a beautiful collection of predominantly silver earrings that I don't wear as often because of cycling... flying phoenix birds, silver swans, silver leafy boughs, silver lilybuds, silver aboriginal raven's heads, etc.
I don't wear any rings on or off bike. When I started cycling again, I forgot to wear my gold and silver neckchains. Yes I have my casual pendants on string/rope...usually I carry them and put them on when I get to work, off bike.