This is such a great thread -- I loved reading everyone's responses!
For me...
Totally worth it - Pandora ring stack (I wear it every day and it was a v-day present from my SO); real pearl studs; Michael Kors tortoise watch; most of my Yurman & Tiffany pieces (I have had some for years and they have never visibly tarnished, so cleaning them isn't a big deal- but I totally see how it would be annoying if you have to clean them all the time)
North worth it - bubble necklaces - I loved them last year but now they are everywhere and I feel silly having paid so much money for a real one; Tiffany link bracelet (doesn't fit my tiny wrists); costume jewelry I bought on etsy - it feels cheap and its not really my taste; any and all bangle bracelets (they slip off my wrist and make a lot of noise when they bang against things)
For me...
Totally worth it - Pandora ring stack (I wear it every day and it was a v-day present from my SO); real pearl studs; Michael Kors tortoise watch; most of my Yurman & Tiffany pieces (I have had some for years and they have never visibly tarnished, so cleaning them isn't a big deal- but I totally see how it would be annoying if you have to clean them all the time)
North worth it - bubble necklaces - I loved them last year but now they are everywhere and I feel silly having paid so much money for a real one; Tiffany link bracelet (doesn't fit my tiny wrists); costume jewelry I bought on etsy - it feels cheap and its not really my taste; any and all bangle bracelets (they slip off my wrist and make a lot of noise when they bang against things)