I have been thinking on this one a long time... I don't count underwear myself because, regardless of feeling, I say you are. not. dressed. without it. The wedding rings kind of just feel part of my person. I go without makeup, hair product, and jewelry plenty.
Finally, I realized that I feel right naked without my handbag. Even if I'm not carrying it, I have to know it's down in my work cubby and looks good with my outfit. I feel really distressed when we go out to a concert and DH says I shouldn't bring a bag. -_-