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Serious question: If she's not into "bling," then does it have to be a diamond ring? In my case, I know my girlfriend would rather be given a blood opal than a diamond. Another friend of mine had a titanium band made with custom etchings done on it. It's obviously a case of YMMV, but it's usually being popped The Question that gets them excited rather than the ring.
Anyway, just something to consider.
Either way, as Freakshow mentioned, definitely go check out a couple local stores and have them show you what the different specs mean. I spent some time at a couple jewelers a few years back when I was shopping for a diamond necklace for a girlfriend and ended up walking out with something far cheaper than I had intended to spend, simply because I thought the specific cuts on that particular one looked far better than on some of the more expensive options.
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