If you have classics you love (the Tiffany necklace and diamond studs), I say go for an item type you don't already have, but would like to have. Even if you can't wear it all the time. (Work is really only just part or you life
). My vote is for a classic watch. You mentioned your new fortune was inherited - perhaps a sentimental piece to memorialize the one who left the inheritance?
My favorite, have stood the test of time pieces include: My Tag Heuer - it went with me to the oil fields, overseas, and it is still with me and still looks amazing. My Tiffany large link toggle - I got it years later, but wear it with my Tag and I love it. My Kristina Nicole necklace - I won it for a story I wrote about my mother, so it is sentimental to me.
Best of luck finding that special piece!!

My favorite, have stood the test of time pieces include: My Tag Heuer - it went with me to the oil fields, overseas, and it is still with me and still looks amazing. My Tiffany large link toggle - I got it years later, but wear it with my Tag and I love it. My Kristina Nicole necklace - I won it for a story I wrote about my mother, so it is sentimental to me.

Best of luck finding that special piece!!