Well said!Actually I don't see how this "worth it" fits into Cartier (or generally in luxury brand world). They will never be worth it (that money can be saved for children future education. Or pay for the experience to travel to see the world. Just some examples).
If only with diamonds makes you happy (or happier), and you can afford it be it now or saved up for future buy, then you should not settle. Buying a bracelet should come with a high happy index (or else what's the point?)