I know lots of people of ALL ages that have both toe rings and tattoos. Personally I don't care for tattoos. However my sister has worn different toe rings for a long time and gets her toes and fingers done on a regular basis and wears shoes that show her pretty toes and toe rings off. My sister is in her fifties, has children and grandchildren. She is not only an excellent wife, mother, grand mother, sister and friend, she is beautiful inside and out. She is NOT risque in any way, you're not either.
My sister gave me a gold toe ring for my birthday. I tried to wear it, but it hurt. That's me...as far as your co-worker's comments and labeling YOU as risque....she should not have said that. What you do is your business as long as you are doing no harm to others.
Here's a little prayer that you might give to your co-worker:
Lord, help us bridle what we say and tend our conversations, avoiding careless gossiping that murders reputations.
Blessings....