I get pretty used to taking jewelry off--- I used to work with my hands around power tools, and couldn't wear anything (I'd sometimes wear a watch with a plastic band, depending on the task)---- now the type of work I do limits what I can wear when I have to do certain tasks. As a rule though, a watch and low-profile wedding band is the limit to jewelry that is below the chest-- earrings and shorter necklaces aren't a problem. Sometimes the watch and ring has to come off too, other times I could wear a long dangly necklace and leather cuff so long as I'm prepared to take it off if something comes up.
Everything comes off if I'm really cooking, cleaning, yard work, painting, using pastels, ect.
I probably sound really silly, but the first thing I do when I come home is wash my hands and then sanitize all the things I touch a lot when I've been out (phone, ect). I try to keep the germs outside of my home, so I don't have to worry so much about touching things like my face when I'm at home, or touching various handles and surfaces while doing food prep, ect (because of my cruddy immune system). My watch and other daily jewelry I wear on my hands and wrists can all be submerged and it gets a good scrub with my hands. Rings and bracelets I occasionally wear with soft stones or leather, ect usually comes off at this point. So do necklaces that are dangly or that slide around that I was touching all day and will probably continue to touch without thinking about it.
I do occasionally like the people I live with to see me in real clothing and in jewelry (since I have a lot of gifts and I like the givers to see them worn!). Hence, earrings and my watch stay on till I'm in PJs or bed for the night or until I shower. I have one pair of studs that I often shower and sleep in.
My medical alert jewelry stays on all the time, although I do alternate back and forth between a pendant and a bracelet or two.
When I was engaged I was always taking the ring off because I found it uncomfortable, easy to get dirty, and hard to clean. Former FI didn't like that much . . . . probably doesn't say good things about me!