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Brad, I'd say go with what your heart likes & your wallet agrees. If you know she really loves jewelry I'm sure she's mentioned what she likes - so spending a little extra will make her more happy.
Personally, I'm not into jewelry so unless you're bathing in dough, I think someone spending 20k on a ring is money that could have been put to use to benefit the couple rather than dress a finger - but that's me.
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