I know this is my inner nellie talking, but whenever I want to wear jewelry, I wear it. I usually keep a brooch of some sort on my winter overcoats, for instance, and I might pin one on my jacket for a fancy dinner or special service. Of course, it entirely depends on the brooch and fabric - those big ones with the javelin-sized pins probably wouldn't work but on the topcoats with the loosest weaves.

YMMV.

Regards,
Rex in Cincinnati

(Just what does he mean, inner??)