I have a bracelet, a necklace, and a ring. Several of my charms have 14k accents as well as the ring. I wear my Pandora bracelet a lot more than I wear my 14k charm bracelet, because it's just more heavy-duty and will take the abuse that goes along with being worn on a wrist. I haven't had any issues with tarnishing. I take my pieces in every few months and have my jeweler clean them, and I even put them in my US at home from time to time. My oldest piece is from 2007, the bracelet, and it has held up fantastically.