Would like to get some opinions on the following RB, which will be mounted on platinum with a four-prong solitaire, with eternity band (shared prong). I found a place that I trust here in NYC (it's around the corner from the diamond district in a professional office building). However, it's a big purchase, so I want to get some independent opinions. I'm working directly with the owner (there are several employees) who has provided me with what I think is a decent education about selecting diamonds, and I've supplemented that with reading on my own (including many threads in this forum!). The dealer has reitereated time and time again (we've had 3 meetings so far) that he focuses on cut and that is absolutely the most important feature. He has also beat into my head that although 2 diamonds may have the exact same characteristics (including the same "Excellent" cut grade), the cuts may actually greatly differ between the two. His philosophy is to go as low as possible on color/clarity and go bigger on size. As long as cut is perfect, he thinks this is the best approach.
I'm very much set on getting a 3ct RB, and in fact I have already put a small down payment on one, but I can of course switch to a different diamond with this dealer. However, I'm now having second thoughts and wondering whether I should move down to 2.5ct while upgrading the color and/or clarity.
Attached is the GIA report for the diamond I'm considering. It looks fantastic in person, and the dealer pulled in 3 other similar stones (all within $1,500 of each other) for me to look at and choose from. Quoted price for just the RB is $27.5k
Would like to get thoughts on the following. In my opinion, the stone is clean face up (but what do I know; I know that I could see imperfections in two of the other similar stones I was shown). Although I can certainly tell that it's a J when side by side with other, higher graded stones, I don't look at it and see yellow (nor did I expect to). I would say that light return is at least 85% looking through the red light device, but I'm no gemologist. Hearts and arrows look solid, but by no means perfect.
1. Is this a reasonable price?
2. Am I better off getting a 2.5 and moving up on color/clarity?
3. If I'm willing to drop another $5k, is there any measurable benefit (in real life; not on paper) that I will get by moving up in color/clarity for the 3ct?
4. What are some questions I should ask the dealer about this stone, answers to which I could bring back to this thread to help you all better evaluate my questions?
Thanks so much for your help!

I'm very much set on getting a 3ct RB, and in fact I have already put a small down payment on one, but I can of course switch to a different diamond with this dealer. However, I'm now having second thoughts and wondering whether I should move down to 2.5ct while upgrading the color and/or clarity.
Attached is the GIA report for the diamond I'm considering. It looks fantastic in person, and the dealer pulled in 3 other similar stones (all within $1,500 of each other) for me to look at and choose from. Quoted price for just the RB is $27.5k
Would like to get thoughts on the following. In my opinion, the stone is clean face up (but what do I know; I know that I could see imperfections in two of the other similar stones I was shown). Although I can certainly tell that it's a J when side by side with other, higher graded stones, I don't look at it and see yellow (nor did I expect to). I would say that light return is at least 85% looking through the red light device, but I'm no gemologist. Hearts and arrows look solid, but by no means perfect.
1. Is this a reasonable price?
2. Am I better off getting a 2.5 and moving up on color/clarity?
3. If I'm willing to drop another $5k, is there any measurable benefit (in real life; not on paper) that I will get by moving up in color/clarity for the 3ct?
4. What are some questions I should ask the dealer about this stone, answers to which I could bring back to this thread to help you all better evaluate my questions?
Thanks so much for your help!
