$15,000 is a generous budget for a first engagement ring. If you are ok with a non-designer setting, you can get a "decent size", sparkling diamond ring. You can go to the diamond forum pricescope to get advice or you can ask AME here for advice.
My advice is, however, keep your Cartier love ring as your engagement ring until you are financially ready for an upgrade. By then, with a bigger budget, you will be able to afford your dream HW ring. Who knows? Your taste may have become more refined and would have chosen a different, but more gorgeous ring. Instead of settling for something in between and thus wasting money, you can invest the $15,000 in some stock mutual fund or index fund and let it grow for 5 or more years. I am sure the growth rate of the invested money will exceed the appreciation rate of the HW ring and other rings. You will then be able to afford more choices.
I have seen many ladies upgrade their engagement rings several times (me included), so I am sure you will fall out of love with the HW ring in only a few years. This instant gratification will cost you dearly, as it is difficult to resale or trade in an old ring. Do you know how many of us have been stuck with old engagement rings? Thus, don't buy on impulse now unless you are very sure.
My advice is, however, keep your Cartier love ring as your engagement ring until you are financially ready for an upgrade. By then, with a bigger budget, you will be able to afford your dream HW ring. Who knows? Your taste may have become more refined and would have chosen a different, but more gorgeous ring. Instead of settling for something in between and thus wasting money, you can invest the $15,000 in some stock mutual fund or index fund and let it grow for 5 or more years. I am sure the growth rate of the invested money will exceed the appreciation rate of the HW ring and other rings. You will then be able to afford more choices.
I have seen many ladies upgrade their engagement rings several times (me included), so I am sure you will fall out of love with the HW ring in only a few years. This instant gratification will cost you dearly, as it is difficult to resale or trade in an old ring. Do you know how many of us have been stuck with old engagement rings? Thus, don't buy on impulse now unless you are very sure.