Here's a pic of my first pair of daily wear studs that are super ideal hearts and arrows cuts. The tcw of them was .68 (I've got .82ctw studs now and working on saving to upgrade for 1ctw). I'd say these were absolutely perfect for daily wear, and were even comfortable if I fell asleep in them. The total cost, if I recall correctly was around $1000-1200 USD (I'd have to look it up). They were from Brian Gavin Diamonds (who was one of the original people to start Whiteflash before he went off on his own).
I'd say simple studs or pearls are absolutely perfect for a conservative office setting. And the cost of a small pair (like .5ctw) ought to leave you enough budget to get a little something for fancy wear too with a luxe name behind it. Plus, if you go with a vendor like Whiteflash or CBI the upgrade policy is very very simple- just turn them in and spend more- no complicated double this or improve that to meet. So later on, you might decide that bigger studs are just fine too in an office. FWIW, I have 2 sets of holes and wear .82ctw and .5ctw when I am at work, or the .82 plus my pearl studs from Tiffany.
.68ctw pair
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