As a man with a nipple piercing (insert your own shocked look here), I can comment on that. Also, I know many people with belly rings (one is even pregnant as we speak), so I think I can offer something in that category as well.
First of all, piercings can be really wonderful things. I hope that if you decide (at least for the short term) that you want one, you really do enjoy it and feel attached to it. I guess it's a little like a tattoo, but you can be moody about it and take it out if you decide it's not right for you. And believe me, you may decide that (I've removed three earrings and an eyebrow ring in the past); there's no shame in outgrowing your piercing. Better than regretting a tattoo.
That said, I can say I haven't noticed any sensitivity loss due to the nipple ring (it's been almost ten years now), but I do remember the sensation of the piercing process and the recovery stage quite vividly. It's these types of sensations that get people addicted to piercings. Personally, I love my nipple piercing and have grown quite attached to it (no pun intended). I had to remove it for surgery once (about 4 days, I think) and had a hard time getting it back through. No worries, though, I had my local piercer run it through for me -- it's more difficult when you're looking down on a piercing to find the actual tunnel.
As for the belly ring... it's true that it will leave a mark if you take it out. It looks a little bigger than a blemish (in the best of circumstances), but if you're really worried about that sort of thing on your belly, you should know that belly piercings are somewhat tempermental, and not everyone will have one that heals perfectly. Also, to my knowledge, you'll eventually have to take it out if you become pregnant, and depending on how quickly you start showing, this could be far along in the pregnancy.
Both these piercings behave differently than say, the tongue, nose, or cartilege piercings. Those piercings you can remove and leave out for short periods of time. I wouldn't advise taking a belly or a nipple ring out for very long.
Hope this helps. Feel free to email or PM me if you want more info from my point of view!
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