My philosophy is this.
a) symbols are important. my church has a Solid gold communion chalice that is silver lined. it is engraved and it is gorgeous. Does it change the communion by being that way? not technically, but it does emphasize the value of the contents inside better than a solo cup.
b) amount of money spent doesn't actually concern me and is none of my business. I dont want to know. beautiful rings can be found at almost any price point. The thought going into picking one that you think is beautiful and perfect for your spouse is the important thing here... rather than running into the nearest Zales in the mall and grabbing the first shiny finger circle you see and calling it good enough. If you reread, my comments were all about style and never about price.
c) women tend to put quite a bit into their physical appearance, clothes, hair, makeup, and accessories. They shop, they curate a sense of style... and these are things you love about your significant other. So if she's developed taste... how is she supposed to suddenly be blind and not have an opinion about the item on her hand that she'll be wearing with her clothes and accessories every day for the rest of her life?
d) back to symbols. that ring represents you when you aren't there. It's the signal that says you exist. make it one you are proud of.