I think the whole idea of these lists is kind of silly. I love my diamond studs, but another woman might like larger earrings or standard hoops instead. A pair of diamond studs would sit unused in her jewelry box, despite being told by countless people how they were "must haves".
Likewise, there are people who feel bare without a watch and those who are irritated to no end by having something on their wrist. Why spend hundreds or thousands on a watch or bracelets/bangles if you cannot stand them?
Many women tend to be fond of simple, understated pieces, but some of the most amazing people I see have statement pieces or ethnic jewelry that is simply stunning. For the person who values it, their money is much better spent on items that are big and carry history than on dainty "everyday" pieces.
I guess my point is that everyone's taste, style, socio-economic status and values are different. These cookie-cutter lists seem to take all the individuality out of accessories that are intended to highlight that very thing! So long live non-standard jewelry! I admire that far more on other people than the "must-haves" on all the lists (that mostly blend into the background and go unnoticed).