I have a blue topaz RHR and I don't have to baby it like I do the CZ things that I have. CZ can be very nice--if it's spotlessly clean. It gets that glassy over-white look very fast as soon as it gets at all dirty. And it's really only attractive insofar as it mimics a diamond. Bigger CZs tend to look windowy and glassy. My topaz is HUGE-- 7 or 8 carats, its a pear cut which looks pretty all the time. I don't know how fragile it is--it's in a setting that wraps around its edges and protects it so it doesn't get bumped. It's an older ring. My friend inherited it from her Mom when she died and gave it to me because she doesn't like big rings herself and she thought I would wear it more. It must be from the 70's, I think. I don't wear it everyday or anything--I use it as a dress up ring--but that's not because it looks bad or anything. It's because its so big that it feels heavy and gets in the way and spins around on my finger. If you get a somewhat smaller one, you shouldn't have these problems. People notice it all the time--its a stone that has a special kind of clarity and it's luminous, though not as sparkly as a diamond, it has a different kind of beauty.
That said, you should know that the topaz you are likely to find is not 'natural' as in, they dug it out of the ground and it looked the way it does in your ring. The blue topaz is all heat-treated to get that lovely blue color. It's white topaz that has been in the oven. However, it is a stable treatment--its not going to change on you or anything. There is something called 'imperial topaz' which is natural (and very beautiful) but its also terribly expensive. It's usually pink. There used to be yellow, but I think the mines in Russia where they got the yellow are all mined out.
That said, you should know that the topaz you are likely to find is not 'natural' as in, they dug it out of the ground and it looked the way it does in your ring. The blue topaz is all heat-treated to get that lovely blue color. It's white topaz that has been in the oven. However, it is a stable treatment--its not going to change on you or anything. There is something called 'imperial topaz' which is natural (and very beautiful) but its also terribly expensive. It's usually pink. There used to be yellow, but I think the mines in Russia where they got the yellow are all mined out.