I don't think the onus is on me to explain every single account of apparent psychic abilities. Granted, this is an extrapolation, but if many such accounts turn out to be, for one reason or another, not genuine cases of the paranormal then it's not too unreasonable, I don't think, to assume that the rest will be as well. It is an unprovable assumption, but not an unreasonable one, because it fits with what we have seen so far.
I have no idea how your wedding ring could have happened -- certainly not one I can prove -- but I don't need to provide an explanation really. My position on this is that such incidents might be expected to occur by pure coincidence. There are after all a lot of people around, and have been for a long time, and so even the most extraordinary coincidences could easily just occur at some time by chance.
It's difficult to see how it's possible to distinguish such stories from just the natural product of chance, coupled with the human tendency to misinterpret what they see, hear and feel. As far as I am concerned, until someone can demonstrate or prove otherwise, I don't need to worry about taking the time to explain every such story. I already have done, in a way -- although it's technically true that I haven't proven that my explanation is the correct one. It does seem more likely, all things considered.