I wear jewelry more now than I did when I was younger, perhaps because there were many years when I was working, I couldn't wear jewelry where I worked. I was a home health/hospice nurse, then before that a hospital nurse and before that a veterinary technician.
However PRIOR to all that..I actually sold fine jewelry and diamonds for several years and even did hand modeling of some very expensive pieces in the Arkansas Gazette in the 1980's. And when I was an office manager I also wore jewelry to work.
I try to coordinate my jewelry to match whatever outfit I put on..and then after I pick out earrings, (a small stud pair either of pearl or diamond or ruby usually higher on the lobe and then a coordinating dangle or stylish hoop style since I have double pierced ears and long hair and dangles look good with long hair) a necklace fitting the neckline. and ( always wear my wedding ring, engagement ring and anniversary ring ) ring for my right hand ( or rings ) and a bracelet and or watch...then I do what I learned years ago from reading advice from Coco Chanel...before you leave the house decide on one piece to remove... so the look isn't "overdone". That advice has worked well for me for more than 30 years!
I may remove one of the pairs of earrings if I want to wear more than one ring on my right hand. Or I'll remove a bracelet if the watch is what I want attention drawn to, or I'll remove the watch if the bracelet and ring match and I have my cell phone clock handy in my purse :)
It doesn't look silly to wear stylish jewelry at any age. Pick classic pieces ...they don't have to be expensive or genuine to look classy. Sterling silver and cubic zirconia pieces with smaller stones can look very classy combined with freshwater or simulated pearls.If you like colored stones or jade, they're also very "in" right now with many ethnic and tribal type styles. Those are pieces that will look good with sweaters and coats in the fall and winter. You don't have to spend a fortune to look like one.
Some costume jewelry designs can look very expensive and classic and will last IF you care for the pieces properly. ALWAYS wipe them off with a jewelry cloth after removal. Skin oils, perfume and other cosmetics will ruin costume jewelry quickly and will even dull gold.
ALWAYS remove gold jewelry before using household bleach and do not let bleach touch opal, coral or pearls.
I wear my diamond rings every day and wore them before I was disabled..even hiking in the woods. I only took them off when I was working so I owuldn't risk scratching patients with the diamond rings or get chemicals on them when I was a veterinary technician.
Go for it. Use Google images to search for styles of jewelry that might appeal to you. Then build your own look.