If she is right for you, your girl will love you no matter what. The thing is, her friends and family will be the ones clowning on her and YOU if you cheap out on some ghetto ring. You don't want your girl being the object of ridicule, do you? Do YOU want to be the targer of comments like..."your boyfriend bought you THAT? Wow, he must be cheap". Any decent girl will defend you at the moment, but it will hurt her deep down inside.
Remember.....every kiss begins with K.
-Mike
Thats the thing, no one else has to notice. My wife never told anyone she had a cz and the ring looked great, everyone though I splurged on a 2ct diamond!