Same here Smirnoff, I don't have piercings and wear clip on or magnetic earrings, there has been a few times my hair or scarf when wrapping it around, as caught my earrings. Luckily the earrings just flip off, otherwise I think I might have had a few torn lobes by now.
There was one time, I realised my zip was undone on my jeans, whilst driving somewhere, so I zipped them up and caught my lace knickers as well as some skin underneath...I looked like I had a zip where my privates are, ouch...