Maybe it’s time to take a break from buying luxury items for a few years, until you learn more about the creations of each brand you’re interested in, watch the trends as well as only buy an item of you still like it a year or so later since you’ve considered adding the item to your collection. As you said, yours only 23 years old and still have a lot of time to grow and curate a nice collection of fine jewelry. I must say, at that age, I only bought fashion jewelry from H&M. They would have let me return as often as I would have liked, without getting flagged. Maybe buy less expensive items/brands until you figured out what you really like, before jumping into buying such expensive items just to regret it two days later again….