I think i saw it too late, but i gave my vote to your post and to the main one.
Lol, i don't own neither. I rarely liked to wear jewelry. I liked one ring and when i was younger i had for a short while of time a small chain (if that's its name in english). The ring i can't say it was from silver... it cost about $2 but it was from a loved person.
And also i hate gold and silver as to wear them.
As investment they are ok.
Cheers