I bought a diamond of 0.801ct, D colour, VVS1, AGS0 Ideal cut, pointed and inert. My initial intention was to set it on a ring. However, many jewelers advised to keep it as a loose stone as setting it could possibly damage the surface during the mounting process. Furtheremore, they iterated that the stone may be damnaged during daily usage( Note :I plan to use the ring daily). Are both of these points true? They also indicated that by setting the diamond onto a ring could potentially reduce its value by 20-30%. Please comment.