If I may mention, did she want the three carat?
I could never presume to understand with whom you socialize, but for my wife, she really wouldn't wear a 3 carat around that much. Greater than 2 they can be considered a little gaudy by the unrefined.
I guess that speaks for the types I hand around. But then again... good ol' Garth owes me billions for singing my life story.
As always, K gives a great idea... buy the 3 in a CZ, test drive it for a while, and put the difference on a lease on a Ford GT. She can bang it around without worry of it popping out of the setting. Stones that big tend to get caught on the strangest things.
just throwing around ideas