Facial adornment with ring in has to hurt (9)
I believe the answer is:
moustache
'facial adornment' is the definition.
(I've seen this before)
'ring in has to hurt' is the wordplay.
'ring' becomes 'o'.
'in' is an insertion indicator.
'has to' becomes 'must' (I've seen this before).
'hurt' becomes 'ache' (synonyms).
'o' going inside 'must' is 'moust'.
'moust'+'ache'='MOUSTACHE'
'with' acts as a link.
(Other definitions for moustache that I've seen before include "Food trap" , "Facial hair touches Ma" , "Hair on upper lip" , "See 1" , "whiskers" .)