Answer:
I can be written, I can be spoken, I can be exposed, I can be broken. What am I?
What is so delicate that saying its name breaks it?
I travel in a gaggle.
Soft and cuddly I'll pull on your heart. But take my last name and I'll tear you apart.
I make you weak at the worst of all times. I keep you safe, I keep you fine. I make your hands sweat and your heart grow cold. I visit the weak, but seldom the bold. What am I?
What do you purposefully put lots of in and on your body, but run away from when you encounter it outside?