The 2-layer silver polishing cloths' inner layer comes precharged with a protective polish. It works best when the piece is already antiqued, either naturally or patina so you don't have to worry about the crevices. This is usually enough as long as you wipe your piece down before wearing. I imagine the embedded polish is similar to something like this. You can also use a polishing wax like this, or an enamel like this if your skin happens to be more reactive.