From this point the rules apply to all wives. It should be apparent as we read onto the next verse that this verse is not an absolute prohibition of any form of decoration in dress.
What the apostle Peter seems to have in mind is much gold. You should not feel in the least concerned or embarrassed, if you wear some little piece of gold, a pretty brooch, or something of that kind, or perhaps pearls. They are not worth half the money they were in those days. Some of this ornamentation is quite discrete and modest, and adorns a woman, and we are not going to object to it at all. But what is in mind here is baubles, bangles and beads of great expense and self-adornment at a quite different level. Adorning means orderly arrangement, tending with great care. Great elaboration is involved. It becomes an arduous business, getting dressed, putting all the expensive apparel and decorations perfectly in place. Sadly, it happens, we know, but it is not for the believer. Although the world pays lip service to beauty of character, in practice it votes for physical beauty, since it so often chooses this and ignores inner beauty. Of course we don’t want Christian women to turn out as frumps in the old-fashioned sense of the word. No, we are glad of the vast majority of Christian women, who turn out in a way which is respectable and pleasant and adorns the being that God has given to them. Christian people, should pay attention to appearance and be smart, and honour God and be presentable, and we do approve of ladies having a degree of decoration which becomes them. So if somebody has platted hair, we don't leap on 1 Peter 3: 3 and say, there's a prohibition here. There isn’t. But if you spent all day on it and it was the most elaborate and wonderful and staggering thing in the world, and you depended upon that for beauty and appearance, you’ve got it all wrong. More attention needs to go on the inner person.