I have friends who have been robbed, beaten, held at gunpoint, ripped off, deceivingly married for their nationality.. the list continues, but I've been here more than 15 years and I myself have never endured anything more than a near miss in an alley I drove into by accident (on Primavera just before Tomas Marsano) that i simply drove out of in a hurry. I ride my expensive looking mountain bike to work everyday (without riding on the road itself) and have very expensive camera and lenses that travel around the country with me. If you're well traveled and don't get drunk in public (without a ton of good friends), you'll have a good six months in Lima, especially if you get out and travel Peru.
Just don't expect to ride a mountain bike from miraflores to the hills... there's some great mountain biking, some of the best vertical descents in the world, but best to go with a group that takes you out and back there in a van as getting out of the 'bubble' isn't for the faint hearted.
However, if you're posting here because your worried about what your mother says and really don't know what to expect, I suspect that maybe the first few weeks will be a shock to your system and that you should let your hubbies company arrange transport for you each day (and from the airport) until you get your bearings. Most serious Australian companies here do that. then talk to other wives from his work and you should get centered pretty quickly.
If you are into photography, coming to peru without your best cameras would be one of the most regrettable mistakes of your entire lives. this is one of the most photogenic countries on earth, if not the most photogenic in terms of diversity, bring your camera don't walk down the main drag with it drapped over your shoulder... and ditch those stupid canon/nikon neckstraps that tells the thief exactly what model you have! if you do any travel outside lima and know anything about photography, you will regret not having your best gear so much that you'll probably buy more when here or have it sent over (costly). and if your only a point and shooter, then whatever gear you have wouldn't be that expensive enough to worry much about anyway. Just be stealth, jusge every situation before taking or revealing your gear, and bear in mind that recently the camera thieves have been targeting photography students near their places of study.
in my opinion travelling even to developed countries with jewelry is questionable in terms of why you would want to do that, but don't go as far as leaving your wedding rings at home... in fact I've found a prominent simple gold wedding ring can often be very helpful in plazas, restaurants and bars for reducing the amount of unsolicited attention from would be tricksters thinking you could be persuaded back to a hotel room, especially your hubby!... or maybe just all my single mates are simply better looking than i am
enjoy your stay