I am getting engaged. I have seen a nice big ring with a o.75 diamond in the centre and smaller diamonds on either side. He can easily afford it, but we could put the money to a better use like a larger down-payment of the house, furnishings or a trip. I don''t mind keeping the nice centre diamond and downgrade to CZ on the sides and pay only half the price. I haven''t suggested this to him yet. should I?