I prefer low rise for jeans, and higher rise for flat-fronted skirts. I discovered as a teenager that wearing high-rise jeans makes my waist look like it's up by my armpits. My torso is proportional to my height, but the narrowest bit is high up, so high-waisted jeans make my torso look non-existent! Not a good look. Also, for reasons I don't fully understand, I can wear a really low rise (7") and not have issues with plumber's crack. Furthermore, I can't stand the flies/zip rubbing against my belly. With low rise jeans, it sits across my hips and is much more comfortable.
I'm thinking that what's comfortable has a lot to do with body shape, because lots of other gals here are saying the exact opposite about low rise jeans. Skirts can be much higher rise on me because they lie flat against my belly. The non-existent torso issue I have with high-rise jeans does not apply to skirts because I overlap the top and make sure it ends around my hips. Because of the flat front of the skirt, this looks fine. I do have one skirt that has jean detailing and a front zip. That one I wear lower on my hips like jeans, and semi-tuck a top.
One more point: a lower rise means that the jeans waistband sits across your hips. This makes a horizontal line, which adds visual width to the hips. For a slim rectangle, this is ideal. Adding visual width to the hips makes my waist appear narrower, and emphasizes straight limbs. My guess is that a pretty pear would look better (and feel more comfortable) in a higher rise, since balancing a pear figure normally involves adding detail/volume to the top half, and sleekness to the hip area. I'm not sure about hourglass etc.