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Doesn't bother me one bit. The heavy rope chain is worth more than the pendant. I do get a little nervous when I wear the 1 carat diamond ring I have that was appraised at close to $5,000.00 a few months ago but have never worried one bit about my necklace. I have a friend that wears a 10.00 gold indian pendant on his necklace and has for years and never had any problems. I gave my 16 year old a 900.00 diamond ring for his 16th Birthday that I had had since I was 18, it was bought for me by my uncle that raised me and it was handed down to him and I don't worry about his wearing it either. I do worry about him losing it but not really worried about someone robbing him for it. Do you worry about collecting coins that are worth allot of money because there is a chance someone may rob you one day? If you worry about it all the time you are not enjoying it. It may happen but I am not going to worry about the chance it may happen and not wear it because someone may do it one day. I have had allot of enjoyment and allot of meaningful conversations from wearing it that I would have missed if I had just kept it at home ion the jewelery box (by the way someone could have broken in my house and stole while I was out wearing the necklace and ring)
Yes, I do worry about having everything stolen, and thus why I don't keep any coins in my house , just in safety deposit boxes @ the bank.