Daniel,
   This is a good question. The topic is often confusing. Let's start with a key passage and add more as we discuss:

    1 Peter 3:3-5  "Whose adorning let it not be that outward adorning of plaiting the hair, and of wearing of gold, or of putting on of apparel; The context broadens the thought a little. But let it be the hidden man of the heart, in that which is not corruptible, even the ornament of a meek and quiet spirit, which is in the sight of God of great price. For after this manner in the old time the holy women also, who trusted in God, adorned themselves, being in subjection unto their own husbands:"
    Paul has essentially the same advice. 1ti0209. And see is0316ff.

    The principle I see is that the focus should be on beauty of character. Of course it applies to men as well. And it goes for makeup.
    The next question is, can't jewelry and makeup be modest? I believe they can, but we come to another question: How much is too much? My wife wears neither jewelry nor makeup and I believe that this is best. I've seen other women with very simple jewelry or makeup who I felt were being modest. They did not have the convictions that my wife and I do, and I really expect that God who knows hearts was not dishonored. My belief that none is best is based on two principles: It's easy to go over the line on special occasions where the human body is glorified instead of God. And wearing modest jewelry can be misinterpreted by younger women so that they begin drawing attention to themselves.
    Expense is sometimes a factor, but not always.
    My wife and I do not wear wedding rings, but if one or both of us were in a social situation where our marital status might be misunderstood, I believe wearing simple rings would be good.
    Next question: Wasn't jewelry seen positively in the Old Testament? No and yes. No according to Peter. In our first passage, he told us that the holy women of old adorned themselves as he described. And yes, at least in symbolic prophecies like Is. 61:10: "I will greatly rejoice in the LORD, my soul shall be joyful in my God; for he hath clothed me with the garments of salvation, he hath covered me with the robe of righteousness, as a bridegroom decketh himself with ornaments, and as a bride adorneth herself with her jewels." Compare. Ezek. 16.
     And Lucifer, who became Satan, symbolically related to the king of Tyre, wore jewels before he fell: "Thou hast been in Eden the garden of God; every precious stone was thy covering, the sardius, topaz, and the diamond, the beryl, the onyx, and the jasper, the sapphire, the emerald, and the carbuncle, and gold: the workmanship of thy tabrets and of thy pipes was prepared in thee in the day that thou wast created. Thou art the anointed cherub that covereth; and I have set thee so: thou wast upon the holy mountain of God; thou hast walked up and down in the midst of the stones of fire." (Ezek. 28:13, 14).
    God made the beautiful metals and jewels. As we read a little more, however, we get a clue about why our situation is different here. "Thine heart was lifted up because of thy beauty, thou hast corrupted thy wisdom by reason of thy brightness: I will cast thee to the ground, I will lay thee before kings, that they may behold thee. Thou hast defiled thy sanctuaries by the multitude of thine iniquities, by the iniquity of thy traffick; therefore will I bring forth a fire from the midst of thee, it shall devour thee, and I will bring thee to ashes upon the earth in the sight of all them that behold thee. All they that know thee among the people shall be astonished at thee: thou shalt be a terror, and never shalt thou be any more." (verses 17-19).
    If a holy angel could choose to be proud and rebellious because of his appearance, how dare we, who are weak and with natural tendencies to sin, place ourselves in the way of temptation? As we live in simplicity of appearance, we may pray, "Lead us not into temptation." (Matt. 6:13).
    In Ex. 33 we see how the people took off their jewelry when God came in judgment after they worshipped the golden calf (ch. 22). "And the LORD said unto Moses, Depart, and go up hence, thou and the people which thou hast brought up out of the land of Egypt, unto the land which I sware unto Abraham, to Isaac, and to Jacob. . . . And I will send an angel before thee. . . . for I will not go up in the midst of thee; for thou art a stiffnecked people: lest I consume thee in the way. And when the people heard these evil tidings, they mourned: and no man did put on him his ornaments. For the LORD had said unto Moses, Say unto the children of Israel, Ye are a stiffnecked people: I will come up into the midst of thee in a moment, and consume thee: therefore now put off thy ornaments from thee, that I may know what to do unto thee. And the children of Israel stripped themselves of their ornaments by the mount Horeb." (verses 1-6).
    As frail humans on our way to the heavenly Canaan, dare we take any actions that will draw our minds away from our total dependence on the grace of God in our Lord Jesus?
    The sanctuary yearly calendar of events begins with Passover when the people left Egypt and parallels other experiences on the way to Canaan. Just before the feast of tabernacles which celebrates arrival into the new land. Leaving Egypt is a symbol of leaving sin, and our spiritual journey continues until we are in heaven. The last special day before that represents our last experience on earth. It is the day of atonement also recognized as a day of judgment (Lev. 16 and 23). It was a day when the people were to humble themselves before the Lord so that they would not be cut off from the people le1629. This is our time and sufficient reason for humility in dress. I realize that I've covered a lot in a few sentences, but I think you can see the overall picture.
    The topic is discussed in connection with the story of Joseph ex4141f. In heaven we will be given crowns. And with jewels! I look forward to meeting you there by God's grace.

    Also see Isa. 3:16-24; 1 Tim. 2:9; Hosea 2:13; Psalm 101:2, 3.

Ted