could cause chemical reaction
Because on the periodic table of elements, silver and gold are among the least reactive elements. That means that they are precious and people with serious allergic reaction to jewelry made out of cheap metals like stainless steal can wear them. Since silver and gold are in limited quantities, they are considered precious metals. The fact that they cause least irritation to the skin when worn makes them the best candidates for jewelry options. This makes the silver and gold jewelry expensive, although sterling silver jewelry is much cheaper and affordable than 14K, 18K, and 22K gold.
Nickel in jewelry (or in coins) is not bad for you as long as you are wearing the jewelry (or spending the coins) rather than eating it. It is quite common for people to have nickel allergies, which is why it's use in jewellery is controversial. (However it is quite cheap, which is why it is frequently used). If the jewellery makes your itch, or turns the skin slighlty green where it is being worn, stop wearing it.
The answer really depends on what type of silver that you are asking about. Silver rings and jewelry will almost never need cleaning other than a basic ultrasonic cleaning if it is worn every day. Sterling silver jewelry that is worn often will never tarnish. However, if the jewelry tarnishes it can be polished using a silver polishing cloth that can be purchased at almost any grocery or department store. After polishing the items place them in a bowl of windex and then rinse them under warm water. Please note that nothing can replace the type of cleaning that you would receive when taking the items to a professional jeweler. When doing this, a jeweler can use a polishing wheel with jeweler's rouge to remove all the scratches while making the jewelry look brand new.
Because they've never been worn yet.
could cause chemical reaction
Jewelry that is uncomfortable or jewelry that you make have an allergic reaction to should not be worn.
a dress
at all times
Crucifixes (being for Christians, a symbol of Christ's salvic death), should not be worn as jewelry (if by 'jewelry' you mean, 'personal adornment', ie something someone wears to be 'in style', 'cool' ect). For Christians, wearing a crucifix is an outward sign of faith in Christ, not a piece of adornment to wear because it reflects one's tastes in fashion/style.
Fuzzy slippers, leather bondage hoods, boxing gloves.
Yes, a wristwatch is considered to be a piece of jewelry because it is a decorative item worn on the body.
because the jewellery can fall into the food, also because jewellery can carry bacteria, infact all jewellery will cary bacteria and people can get ill
To protect your clothing.
Yes. Jewelry stores have mezuzot you can wear as pendants.
Ring
The bracelet.