1. Because then I'd be a heckin' unicorn!
2. If/when I got into magical mischief, it's important that I'm still light on my feet. A massive magical gem in my chest would weigh me down as I tried to make a get away so I've got to opt for the fancy head horn. Also, I might be able to fence a narwhal if
desired.
3. Simple, it doubles as a defensive weapon, meat/vegetable skewer, lock pick, spousal back scratcher, and so many other things.
The chest gem just makes you look like a “My Little Pony” version of Ironman or Battle Beasts.
4. Because I would look like a unicorn, and what girl hasn't dreamed of that since she was a little girl. AND, it can be used as a defense weapon if ever you ever find yourself in need. But mostly because it'd be cute.