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If your wife knows the value of a dollar in this economy and your current financial situation emphasizes it, go for the Nexus stone first. But, if you want preapproval to be on the safe side, present it in its completed form of the stone in your setting before divulging details on the cost and materials.
My reasoning:
I bought my bookkeeper wife a 1ct heart cz in a unique, really cool looking stainless steel set ring for $25, and she can't take it off and gets complimented on it all the time. More than the $2k ¼ct, 24k gold ring I bought her. And she says she likes it more because she can wear it everyday and not worry about losing/damaging it nearly as much, and because the whole package looks really good. She'd rather see it as a daily reminder, over one pulled out once in a while for other ocassions.
She says it's more about the sentiment behind it, than the cost and materials. But she also thinks cut flowers are a waste of money.
Good luck on your decision
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