At home, my engagement ring and wedding band come off when I'm cooking, cleaning, washing dishes/hand, or showering - but only because I'm between a 3.5 & a 4 ... and if my fingers are cold and / or wet, they can slip off or will come off in the towel when I go to dry my hands. These go back on before bed, though. (I wouldn't want to have to leave in a hurry (say, in case of fire), and forget to grab them.
My watch is an Omega Seamaster - completely waterproof and seemingly indestructible so it stays on ALL the time.
Necklaces and bracelets are occasional so they come off when I'm done with them.