I bought my baptismal cross in Kiev, on a hunch that I might become Orthodox. It is silver-coloured and cost me no more than $5 US. All the baptisms I've observed, including my own, included a ceremony of blessing the baptismal cross (usually that involved dipping the cross into the baptismal waters, if I'm not mistaken). I started to wear my cross even before I became a catechumen. AFAIK, everyone, man and woman alike, wear their crosses constantly, but NOT on the exterior-it is ALWAYS to be hidden, tucked away under the clothing and against the body. It is NOT a decoration. For this reason, most people have their crosses on a very long chain, so it can be hidden if you are wearing a more open neckline.