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Personally I think it's important to chose a ring together that fits with your capacity to foot the bill. Keep it real. Also, I don't think you need to be practical at all about the ring which is a symbol of how you feel right now towards the woman you want to spend a lifetime with. It is a...

Well I've heard the "spend the equivalent of three months salary", but alas, 32 years ago, our budget as students could only stretch to two wedding bands. I seem to remember we sold a broken down old Renault to buy them. I finally got an "engagement ring" from Cash Converters 15 years later...