well I have pierced ears, a huge tattoo and my navel pierced.  I had the navel pierced when I decided to go into bodybuilding with the thought of competing one day.  I can tell you this about it...I sat for 9 hours having my right hip tattooed and ate lunch during it no problemo.  I had my navel pierced and fainted immediately afterwards.  It is a puncture wound simply as that.
Mine healed rather quickly and has been pierced since Sept. of 06'.  My husband likes it, I like it and I always have some sort of jewlery in it.  I never have a problem with my pants bothering it or anything like that.
I would never pierce any other body part though.