Just butting in, as usual!
I was going to upgrade my diamond with my current PM windfall. Buying the loose stone right now will be a bargain. BUT getting it set will be a costly matter. However, you can usually find a decent, classic setting on the second-hand market.
https://www.pricescope.com/diamond-prices/diamond-prices-chart/#
Maybe a pair of larger diamond stud earrings?
Or maybe I’ll just stick with my plan of new windows for my old farmhouse and a new-to-me SUV come Spring? ;)