A horde of devious, ferocious, tenacious, and atrocious creatures, beasts, and monstrosities to populate the northern realms of your fantasy. Get them while they're cold!
Pirates' many bejeweled rings and piercings actually had a practical purpose - when the pirate or sailor died, the rings could be taken off as payment for a proper burial, saving him from a watery grave. This could be tied into regional culture, or made into a quest (The Pirate's Lost Rings, etc.). Also gives treasure-seeking divers another thing to look for besides crusty old chests.