Is it a big deal or not? Which seems like the better route to take?
Most Helpful Guy
Nope. They can act as accents, which I find really cool.
Most Helpful Girl
I don't think body jewelry needs to match your clothes. Maybe mildly more practical if it does match, but practicality + body jewelry isn't a big deal in the first place. May also depend on how much attention you want to draw to this piece; something that is more cohesive with the rest of your look doesn't stand out as much, of course.
But in the end - if you're going to pay for something on the expensive side as you said, I think it's more important that you're 100% happy with what you have!