Here's how it goes in my head:
HER: You don't wear your wedding ring?
ME: No. I get really bad eczema, I can't wear it.
HER: You should. Even if you get eczema. You need to get used to it. Your ring protects your honor. If you don't wear your ring, then you're advertising that you are available. It's like you're saying you want an affair.
ME: (Laughs). Oh, that's just silly.
HER: It isn't silly, wedding jewelry is how people know you're not available. Without the ring, they'll think you're loose.
ME: Maybe some people don't automatically assume that every stranger they see without a band on their left hand is a floozy looking for action. I know that's only true of the people I want to associate with, anyway. Honestly, if someone is so close-minded and judgmental that she would think me a floozy because I don't wear the kind of jewelry she thinks I should wear... Well, I guess that's someone I just wouldn't want as a friend.
SIL: What are we talking about?
ME: Nothing, actually I was just leaving.