I prefer the 2nd, but it really depends on your lifestyle and whether or not you want a flashier ring (the 1st one has more presence and will look bigger) or something understated and classic that sits lower on the finger and might be a more practical choice. I have a basket set three stone and it never catches on anything, which is good because I work with expensive clothes. If I didn't have to worry about snagging cashmere, I might feel differently and go for the bling factor!