I always wear a bangle on one wrist, and a clasp bracelet on the other. Every other jewelry is optional when I'm at home. It's rare for me to wear a necklace, but if I do, it's in colder weather--less sweaty.
When going out, I might change the bangle to something more polished than the banged up home/gym one. But it's still more likely to be a bangle than a necklace, very rarely both.