Don't get me wrong, nobody dresses over the top at Singita, most are in nice casual clothing for evening, and many still wear jeans with a great shirt. As far as jewelry, yes it is best to leave good stuff at home, as I wouldn't walk the streets of Nairobi (nobody walks in NBO) or downtown Johannesburg wearing good jewelry, but since you won't be doing either, your gold wedding band, engagement ring and earrings are something that most women "just always have on". We've always been with a private guide and driver, so I never gave any thought to not wearing my sparklies.
A friend of ours worked on assignment in JNB for two years, and she never left home without her jewelry. It all comes down to your own level of comfort and whether everything is insured.
But there is no need to take anything you'd feel terrible if it were lost or stolen.

What an enjoyable thread - I would also love to share any photos you're able to put online.

Though I've now put mine on my own website, I initially used ofoto - one of the numerous free photo gallery websites. A friend uses webshots which offers similar.

Roccco - re "red-eye" in Zebras. Never happened with us, they're usually so skittish you don't find then head-on, so try to take photo from the side/angle or the "rear", great butt designs.
What I did find in the photo shop is a pen that is used to cover the "red-eye" should you be unfortunate to forget to set the red-eye reducer.
You might also have this problem if shooting a leopard in a tree. Ours had red-eye and the pen came in handy.
It's a photo fixer pen (with blue tip that turns red into brown), look for it in a shop or anyplace that sells photo stuff.