I've had the misfortune of being married twice. The first time around (the unfortunate time) I didn't want a big clunking ring. So I had a perfect (but tiny tiny) diamond set flat into the band.
Platinum .05pt white diamond engagement ring - Rings | Contemporary Jewellery Designers | Unique and Unusual Silver and Gold Jewellery
The second, and final, time around I had the pleasure of being given my Mom and Dad's wedding and engagement rings. They mean so very much to me because of that.
The one thing I was absolutely consistent on was that my future husband absolutely would not surprise me with a ring. As I am wearing it every day, it would be a joint decision.
I've never worried about losing my Mom's rings because I never take them off. In fact if I am ever mugged and I have time, I plan to swallow them.