Hi - I am comparing earrings to buy for my wife. Briefly, one merchant has loose .61 carat (total wgt 1.22) matching stones that are GIA certified and would need to be set. Slightly less expensive (which I know has to do with many factors) are a set pair total weight 1.48 that look beautiful but do not come with GIA certification. Is it terrible to get the ones without GIA? I was told that I would need GIA if I ever decided to upgrade the earrings for her in the future. Thanks for your help!