I try my best to encourage people to think about these things in advance. I'm not sure why some people have such a casual attitude about piercing, really....
Keloids seem to come more from jewelry that is too snug, where the healing piercing is squeezed too tight. Often new piercings swell a bit and than can be uncomfortable if you have a tight ring or stud. The bit of play you have in your jewelry lets in air and lets you clean lymph (part of the skin's healing system) out of the piercing.
If you are going to abandon the piercing, sooner is better than later as the longer you keep it, the chance of it leaving a visible indentation increases. You do have to change how you live and often how you sleep with a piercing.
