Swimming
Swimming in chlorine or heavily salted water could lead to your gold being etched.
Sleeping
Avoid Sleeping in your fine jewelry to avoid chains being torn or rings being hit against headboards/nightstands/etc.
Exercising
Avoid damage being done by dumbells and other exercise equipment by taking off your fine jewelry while exercising.
Gardening
Avoid wearing your fine jewelry while gardening or cooking that involves immersing your jewelry in dirt, dough, sauce, etc.