The question I get asked most is whether silver tarnishes if you actually wear it, and the honest answer is yes, a little, but not enough to matter if you wear it often. The earrings that sit in a drawer for months are the ones that come out looking dull and need a proper clean. The ones you put on most days just keep their shine, because the oils on your skin and the friction of being worn actually keep them brighter than neglect would.
Over months, plain silver earrings soften slightly at the surface, especially studs, and that soft look is not a flaw, it just means they have been worn rather than kept in a box. Hoops can pick up a faint grey tinge where they catch on scarves or collars. A quick rub with a soft cloth before you put them away sorts most of it, and if they've gone properly dull a tiny bit of silver polish on a cloth brings them back without any fuss. What you want to avoid is swimming or showering in them regularly, because chlorine and the constant damp will speed up tarnish and can loosen stones if there are any set in. Sterling silver with a rhodium plating resists tarnish for longer, but once that plating wears through at the edges, usually where the earring sits against your neck or gets knocked about in a bag, it tarnishes faster than the untreated kind underneath, so a cheap heavily plated pair can actually behave worse long term than a plainer solid piece.
Where silver falls short is on anyone with very sensitive ears, since nickel is sometimes mixed in even when a piece is labelled silver, and the lobe can flare up red and sore after a few hours. If that's you, look for hallmarked sterling silver or ask specifically about nickel content, because the budget end of the market is inconsistent here. Silver also reads coldly against very warm golden skin tones for some people, sitting flat rather than catching light, though plenty disagree with me on that one.
For an easy life, a brushed or matte silver finish hides the odd scratch and small tarnish mark far better than a high polish does, which shows every mark under bright light. Oxidised silver, the kind with dark detailing worked into a pattern, barely shows tarnish at all because it already looks a bit aged on purpose.
A small, well made pair of plain silver studs, kept out of the shower and given an occasional polish, will likely outlast most other jewellery you own this year.
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