Ouch, that would hurt for the ring to get ripped out!
I've had mine pierced for almost ten years (since I was 15) and never had that experience. I usually wear a curved barbell and it's nice and simple. No problems at all.
It will take typically about 6 mos. or longer for a belly piercing to heal completely, so take good care of it and wash with hibiclens (an antimicrobial soap) at the first sign of any infection. Enjoy!