ITA with this. my gran is the jewellery person in our family and she has tought me that holding out and saving for something classic and timeless is the best option.i am a big purchase person. I would save up and buy something nice or nag hubby to buy me somethinig nice combining all the occassions into one. i think every woman should have:
1) a classic watch
2) diamond stud earrings
3) a simple everyday necklace, like a diamond cross or circle-keep it simple
4) layering necklaces like david yurmans
5) a middle finger ring
catabie, i would add pearls to your list and then its perfect.