I agree with this. $4k for less than half a carat of diamonds is a waste. I'd much prefer to put that towards a tennis bracelet.Personally I would get the white gold without diamonds and spend the remaining 4k on a tennis bracelet. You will definately get more sparkle for your buck.
And WG always fades a bit over time and has to get replated with rhodium. This is a common and expected part of good maintenance of that metal. It's easy and inexpensive. I look at it as I do with getting the prongs inspected / tightened on my rings or getting items polished. Jewelry requires upkeep and the replaying is a basic step.
So I vote WG! It will be a lovely add and you'all have one of each.