I think many would get something in between.
Personally, I think 1.20 carat D IF would be a dream stone though. I would think of that as big (it would be big on my little fingers anyway. I don't have a small sounding ring size but I don't have much space between hand and knuckle and even a one carat looks very big on me) And I like icy white.
Though J's can 'face up' white, I like to look at my rings from the side and the color would annoy me. also, I think its something to have D IF -- I know some (not many but some) with over 2 carat stones but know no one with a D IF (one friend does have a D, but it's a VS) so I'd love to have something truly unusual. Though I do realize that with wear it would soon be D VVS!!