Re: jewellery question
I live in US as well and it all depends on how social you/your future family is. Where I live there are tons of weddings so my jewelery has made good use. IMO, small and medium sets are much more useful than the huge ones. For one-its so hard making outfits that go with the big sets--which almost always look better on shaadi joras and saris than plain old shalwaar camiz.
Personally I feel as if big sets do not go with my frame so dont wear them. If I have the need to wear something antique or larger than my usual things- i just borrow from my MIL or mother:)
I too love pendants and earrings--they're quite versatile--worn mine with a sari, shalwar camiz and even an evening dress. Strands of pearls are always elegant.