Do or Don't: Jewelry at the Beach

Is jewelry with a bikini entirely editorial or perfectly practical? When you hit the beach or weekend at the cottage, do you remove all of your jewelry or pile it on for a stylish look?

When I am in a bikini I tend to shed my jewelry so that I can play in the water without fear of losing my pretty baubles. Also, funny tan lines, anyone? Tell me in the comments below what you do when you hit the beach!