I hold too much sentimental value on my e-ring to be even thinking of an upgrade. My husband proposed to me after 4 years of being together and probably spent more than 3 months of his salary on it - having just started his job as a medical intern then! He never asked me what I wanted, he said it's what he wanted for me and I looove it! Like you I was worried about the cost (having seen the insurance quote) but I trusted him that he knew what he was doing. 
