I only take my wedding band (with 5 small diamonds) as it isn't loose and never comes off. I do leave my engagement ring at home though. It is insured but I don't sleep or shower with it and I'd be afraid of taking it off and forgetting it. Plus the two side diamonds I inherited when my mother passed away. I'd be devastated if I lost that. But then I have been married for almost 18 years and it's no big deal to have it on.
Couples Negril - September 2011, 2012, 2013 and have just booked 2014
Scuba Club Cozumel - Jan, Apr & Nov 2012 and Jan & Nov 2013
Cobalt Coast, Grand Cayman - May 2013
Retiring & moving to Cozumel, Mexico in early 2014