Also understand, if the unthinkable happens and you need a divorce, she'll get at least half of everything you own(and possibly stuff you had before you met her).
In terms of the ring, I found a BEAUTIFUL one at a pawn shop for a good price. I ended up selling it back to them for less than half price.
you talk like someone who has had your heart broken so much or so badly that you are not high on marriage overall, that is sad. i feel for you.
but I believe I am ready to take a chance on love, and have faith in God and the woman I am deeply in love with.