I just put deposit on it. But I’m having buyers remorse. Am I bloody crazy to spend so much money on a necklace?
It is absolutely stunning and a rare piece, so dont worry that you are not buying a special and beautiful piece. The comfort level with its price, however, is going to be different for everyone. A degree of financial stability is required at these levels and if it does not exist for you then you wouldn't (or probably shouldn't) be playing in that bracket. My assumption is you are and with that aside, I think it comes down to a few things to mull over:
1) Is this something you have pined for a very long time? For ex: this means (unless money is no object), you have wanted it for longer than just a couple months. The longer you have consistently remained enamoured with it, the more likely you really are serious about your love for it.
2) Unless you are a collector of rare items, would you love it enough to buy it if it was not so rare/coveted? Sometimes we get swept up in the hype and it can temporarily blind us.
3) Is this going to easily fit into your wardrobe? Will it sit in the safe deposit box only taken out for very special occasions? If so are you ok with that cost per wear distribution? On the other hand, are you ok with wearing this like a piece half or a third of its price (meaning often)?
4) Are you going to enjoy wearing it? Or when you do, will you not be able to enjoy it for worry you may loose it/have it stolen? If you can't enjoy your items I feel its not money well spent.
Luxury should bring enjoyment, not stress.
5) For the price of this, is there something else/serveral items you want more which may give you more enjoyment if you bought them instead (ex: full pave vintage 10 motif plus a ring, insert your favourite item here, etc.)
At the end of the day, if your reasons for buying it is warranted to yourself (and direct family if applicable) don't worry about what anyone else's opinion is (ex relatives, friends). We all have different factors which contribute to our opinions and perspective on things. If there is no harm caused by your purchase (financial/argumentative) then I think its absolutely justified. It is a beautiful piece. Some people spend on travel to luxurious locales, some upgrade their car annually, some people buy a croc bag (or two) in the span of a year, some people stash all their money away and have nothing to show for it. Everyone's luxury is different. I think in the end, you just need to
love this piece; not the hype around it, not how other people think its so beautiful on you when you dont love it on yourself (of course that helps - no one wants to wear a piece that's unflattering but if you dont love it on you when you look in the mirror that's not good). It is an incredible piece so take your time. If needed use the whole deposit span to think about it. Use that time to really mull it over. Finally, go with your gut: it knows. Strip the price and hype away from it for a second...does it give you butterflies? If so its meant to be.