I know exactly what you mean! I find myself doing the same thing, especially now when I have time to burn and am looking for fun projects. Trying out new jewelry combos definitely fits that desire.
I really love your set with YG and PG with diamonds and precious stones, and the flash of WG and diamonds does add something. Both are awesome looks, sometimes I like more diversity in my jewelry and a little bit of contrast in color to make each one stand out. Sometimes I prefer a more monochromatic stack of PG and YG for an elegant look.
I do think I would miss the screws with all stones...or at least I used to strongly think so, and that is why I held off on buying the full diamond. But I really want both the full diamond and have newly fallen for the WG rainbow.
I wasn’t as interested in the WG rainbow before because I have the 3 diamond love ring in WG and absolutely hate how grey it became. I haven’t worn it in years. Then I got the rainbow love ring in WG as a total fluke (on vacation and wanted to get something) and I remembered how shiny and sparkly WG can be. My SA told me I could have the WG replated with rhodium if desired and that was a game changer because the WG looks nice only when it’s really white and shiny in my opinion.
I would love the pave also, it’s the best of both worlds with screws and diamonds, but I doubt I have the discipline to limit other purchases to make that happen anytime soon!